PRODUCT FINANCE MANAGER

Product Finance Manager - Part of the Santander Group, boasting over 160 years of banking experience and 155 million customers worldwide, PagoNxt is an autonomous company, the Group''s FinTech delivering fast solutions to the payments market. If you would like to join a global community of world-class payment experts, this is the place for you! This is a unique opportunity to work for a company that combines the best of both worlds: innovative technology of a FinTech with the reach and expertise of a leading global financial institution. Our team members come from very different types of companies, including banks, tech companies, trade companies, startups, and consulting firms. **We believe in the power of diversity, equity & inclusion in backgrounds, ethnicity, gender, sexual orientation and more. ****YOUR IMPACT**As a **Product Finance Leader**, you will lead finance capital allocation internal and external process thought the actual demand management process making sure the return over projects are captured as approval process required and potential M&A activities. Also you will be responsible for leading main ceremonies like Capital Allocation Committee, making sure Merchant as a global company is allocating properly capital based on strategy and returns, Product Committee, presenting P&L by product and Business Cases Monitoring, Commercial Operating Committee, making sure for big deals return follows common methodology among countries and verticals, and helping organization with insightful takeaways and reporting main findings to Santander Group into Alexandria tool and the main finance reports required by the oversight needed from Santander. **You will work on different fronts; **- Continuous exercise to assess and monitor the value of the strategies. The value assigned to a strategy and the connected projects changes constantly and new information, useful for reassessing the value, comes is continuous flow from outside and inside of the company. - Rates of returns and strategies must go hand to hand. - Always compare value to price; - Redeploy capital;- Cut losses; - Eliminate capital cross subsidies; - Metrics for the rates of return could be ROIC IRR, NPL, PAYBACK, LTV/CAC (TLV-CAC), ROE or Total Returns (compared to peers) or a combination of them. Cash Flows should be used as the basis for properly measurement of value creation. - Acquire to complement. - Adjust upwards investments in more promising high value / high growth opportunities than initially expected; - Challenge sales growthand quality constantly, Defined Minimum return for global deals tracked on Commercial Operating forum, implemented common methodology among countries and verticals. - Challenge the quality of the developed assets constantly and the development efficiency/synergies continuously. Oversight Business Plans for VAS and core capabilities in the platform and developing strategic long term and what-if scenario models based on the business needs. - Translate the impact from complex transactions, products and VAS into financial. - Decentralize end specialize the execution by product/segment. - Look always prospectively, sunk costs must be disregarded. - Project management and coordination with different Stakeholders. **Who you will have to collaborate with**:- Internal stakeholders:- PagoNxt Merchant: CEO, Business Development, Commercial Excellence team ,Product team and Tech teams. - PagoNxt Merchant subsidiaries: PagoNxt Merchant subsidiaries CEOs and CFO´s, Product, Commercial and Tech Teams. - PagoNxt Holco: financial controller, Governance & Planning and Risk- Other Santander units: Cost, Finance, Management Control, Corporate Development,External stakeholders: audit, business support, external consultancy,etc. . - External stakeholders: audit, business support, external consultancy,etc. . **WHO YOU ARE**- Bachelor´s degree in Business, Accounting, Finance. MBA desirable- 15+ years of consultancy focus on finance transformation projects, capital allocation for tech companies, data visualization, Business Plan, Pricing. - Lead and manage cross functional and cross boarder transactional projects. - Finance Business partner oriented and Data driven professional who is passionate about digital transformation and payments with result -driven focus. - Creative problem solver analytical and financial perspective. - Ability to effectively work with global and local teams in a collaborative, multicultural and cross-functional environment. - Identifying best practices and help countries ´connect the dots´ to learn from one another. - Communicate clearly, adapting style to audiences ranging from engineering teams, control functions, business areas and senior leaders. - Ability to effectively, and independently, manage multiple competing priorities with high attention to detail. - Language