Product Manager – Auto Lending Pricing & Decision Platforms Country: United States of America It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Sr. Associate, Product Management leads product development processes for Auto Finance pricing, decisioning, and originations products, supporting both consumer and commercial lending. The role partners closely with cross-functional teams to deliver scalable, compliant, and profitable solutions that support credit risk management, pricing strategy, and funding objectives. - This role is responsible for defining business and functional requirements, allocating work within projects or teams, and leading the design and execution of product strategies across decision engines, pricing frameworks, and origination platforms. - Assists in leading cross-functional sessions with Credit Risk, Pricing Strategy, Development, Operations, Compliance, and Marketing teams as needed. - Leverages strong familiarity with Auto Finance competitors, consumer and dealer behavior, and market conditions to analyze and review reports prepared by junior analysts. - Develops deep knowledge of Auto Finance products, including pricing models, decisioning rules, originations workflows, and funding mechanics, with a strong understanding of business, functional, and technical requirements. - Summarizes analytical findings and provides actionable recommendations for management review. - Analyzes and defines product business cases using portfolio performance, pricing impact, credit risk outcomes, and industry benchmarks. - Prioritizes product requirements and evaluates feasibility, regulatory impact, and return on investment. - Documents and maintains product requirements, user stories, features, and decision logic supporting pricing and originations. - Maintains comprehensive product documentation, including policy, decisioning, and implementation artifacts. - Addresses customer, dealer, and internal stakeholder feedback to inform product enhancements and prioritization. - Assists in defining product scope, ownership, and responsibilities across pricing and originations capabilities. - Contributes to the achievement of Pricing Strategy, Credit Risk, and Originations team objectives. - Works closely with business partners to understand end-to-end Auto Finance processes, including application intake, decisioning, pricing, funding, and servicing, ensuring solutions align with business priorities. - Partners with Technology teams on strategic planning, architecture alignment, and Program Increment (PI) planning. - Develops and maintains product roadmaps and platform strategies for pricing, decisioning, and originations products. - Differentiates decisioning and pricing services based on portfolio strategy, risk appetite, and dealer/channel needs. - Stays current on Auto Finance industry trends, regulatory developments, and emerging decisioning and pricing technologies. - Develops consultative and innovative capabilities to enhance core pricing and decisioning solutions. - Supports the evolution of organizational and platform structures to deliver efficient, compliant, and scalable Auto Finance solutions, with a focus on speed to market, cost reduction, and elimination of duplicative systems. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. - Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required. - 9+ Years Related work experience. - Required. - Strong understanding of Auto Finance regulatory requirements and their impact on pricing, decisioning, and originations products. - Demonstrated experience in Auto Finance pricing, credit decisioning, and originations platforms, including loan and lease products. - Proven understanding of the product development lifecycle within regulated financial services. - Strong analytical skills and financial acumen, with the ability to assess pricing, credit risk, and profitability impacts. - Demonstrated ability to develop strategic product plans and define a clear course of action to drive portfolio growth and returns. - Self-starter with a forward-thinking mindset and strong ownership mentality. - Ability to translate complex credit, pricing, and regulatory requirements into scalable product features. - Strong communication skills with the ability to engage internal teams, dealer-facing partners, and executive leadership. - Experience working within Agile and SDLC frameworks in a financial services environment. - Demonstrates integrity and professionalism when interacting with stakeholders at all levels. - Excellent verbal, written, and interpersonal communication skills. - Strong project and stakeholder management capabilities. - Experience with both Waterfall and Agile delivery methodologies. - Hands-on experience with Agile Scrum practices (Daily Standups, PI Planning, Sprint Planning, Sprint Reviews, and Retrospectives). Certifications: - Product Management certification — Preferred. It Would Be Nice For You To Have: - Established work history or equivalent experience demonstrated through a combination of professional experience, training, military service, or education. - Experience with Auto Finance decision engines, pricing models, and origination platforms. - Proficiency with Microsoft Office products. What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range: Minimum: $93,750.00 USDMaximum: $165,000.00 USD We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.

Role Description E Source is seeking a Senior Technical Product Manager to lead product execution and technical coordination for a cloud-based utility data exchange platform serving utilities, regulators, and approved market participants. This role serves as the primary product and technical interface between engineering teams, regulatory staff, utilities, and implementation partners. The role blends product ownership, technical governance, stakeholder management, and regulatory-grade documentation, ensuring the platform evolves predictably, securely, and in compliance with client expectations. How you’ll help: This platform is not a typical product; it is a statewide digital infrastructure with public visibility, regulatory scrutiny, and long-term policy implications. This role is central to ensuring the platform remains credible, scalable, and resilient as state expectations grow in how data supports affordable, reliable power delivery and clean energy goals. Product Ownership and Delivery - Own the product backlog, roadmap, and release planning across multiple workstreams - Lead requirements development and prioritization in collaboration with engineering and data teams - Translate policy, regulatory, and stakeholder requirements into clear, actionable technical work items - Collaborate with architects and engineers on user and data flows - Collaborate with technical writers on user documentation - Ensure product delivery milestones are met on scope, schedule, and budget Client Engagement - Serve as a trusted day-to-day counterpart to clients, program stakeholders, and external partners - Develop use case documentation, architecture diagrams, and risk review materials - Lead technical walkthroughs, design reviews, and working sessions - Prepare content and support discussions for periodic regulatory reviews Qualifications - 8+ years of experience in software product management or systems-oriented consulting - Strong working knowledge of cloud-based, data-intensive platforms and software systems - Experience working with large investor-owned electric utilities and knowledge of power systems, customer programs, and data - Demonstrated ability to translate complex stakeholder needs into executable technical plans - Experience supporting executive-level governance forums Requirements - Roadmap execution is predictable, transparent, and defensible - Engineering teams are aligned and unblocked - Clients and regulators trust the platform’s security, architecture, and change management processes - The platform scales efficiently to new utilities, datasets, and use cases Benefits - Comprehensive medical, dental, and vision insurance - Company-paid life, short-term disability, and long-term disability insurance - Medical and dependent-care flexible spending plans - Flexible time off (FTO) with manager approval - Flexible schedules and work locations - Paid parental leave - 401(k)/RRSP plan with a 3% employer match Compensation The budgeted salary for this position is $160,000 - $200,000 USD + annual bonus. Actual pay will be adjusted based on experience. This role will be 100% remote, with infrequent travel (generally 1-2 times per year). Company Description E Source is a research, data/analytics, and technology focused professional services firm focused exclusively on the utility industry in the US and Canada. We help utilities target and serve their customers more effectively, enhance and optimize their grid, and leverage operating best practices and technologies to manage their business more effectively. Headquartered in Texas, we have 450+ employees across the US and Canada.

Overview Founded in 1898, Mutual of Enumclaw is a people-first insurer rooted in community, recognized as Washington’s Best Company to Work For for the 14th consecutive year, and proudly serving individuals, families, farms, and businesses through local independent agents across the West. The Product Manager reports to the Director of Product Management and is a proactive, driven and individually accountable steward of profit and growth across the assigned states and territories for all assigned lines and products. A designer of long-term state strategies and coordinator of short-term execution to realize the benefits of such. With a focus on driving improvements in profit/growth through pricing management (segmentation texture and rate level), as well as ongoing engagement, partnership, and influence with underwriting, sales, regulatory, product development, marketing, operations, and finance to align and add value to their strategy and execution. The Product Manager will look to identify and execute opportunities to improve MOE’s suite of products and coverages to match customer needs and current market conditions. This position is also responsible for conducting regular proactive updates of form language, responding to and accounting for market trends, competitor actions, and regulatory/reinsurance actions. ​ Location: The successful candidate will work remotely, with approximately 30% travel. They must be able to work during our core Pacific Standard Time (PST) business hours, and must have high-speed internet (internet speed test required). Hiring Range: $125,432 - $143,793* Salary Range: $125,432 - $160,153 Candidates having more experience may be considered for a Sr. Product Manager role. Compensation and position will be commensurate with experience. *The hiring range represents Mutual of Enumclaw’s current hiring pay scale for this role. Mutual of Enumclaw reserves the right to modify or update this range any time. Exact compensation may vary based on skills and experience. Compensation is only one part of our entire total rewards package. To see some of the benefits and perks we offer, please click here. Responsibilities State Management: - Independently identify, prioritize, and drive organizational focus on profit/growth opportunities. - Build relationships and add value across core stakeholder departments (UW, Sales, Actuarial, IT, etc.). - Be the go-to expert on assigned lines of products, strategy, markets, business levers, data, and execution. - Effectively leverage data, analytics, and available supporting resources. - Oversee and maximize the value of state rate filings at all stages. - Point person for responses and action plans regarding regulatory matters. - Independently create, and oversee the creation of, influential presentations associated with the execution of day-to-day opportunities and broad strategic opportunities. - Fully leverage, motivate and develop analyst staff. Product Development: - Oversee the creation of a multiyear “product roadmap” for the delivery of new and updated products. - Complete ground-up builds of new products via form language. - Review and refresh existing form language on an ongoing basis. - Identify products/updates that would drive the largest market impact or mitigate the largest risks. - Be the point person and subject matter expert regarding MOE’s products, forms, and coverages. - Research market trends to proactively identify potential new products and coverages, or necessary adjustments to avoid gaps in the marketplace or regulatory exposure. - Design and facilitate training associated with any product launches and updates. Supervisory Responsibility: - Currently, none; however, there may be a requirement to supervise and manage analysts as the organizational structure may change and adapt to business needs. Qualifications Required Skills/Abilities: - Very strong analytic and project management capabilities. - Expert knowledge of P&C insurance products and the filing process. - Knowledge of predictive/pricing modeling methodology, and actuarial principles. - Knowledge of Underwriting principles, methodology, and general theory. - Expert use of PowerPoint and Excel. - Knowledge of SQL, SAS, VBA, and other programming/data management is a strong plus. - Translate analysis into coherent presentations and communication. - Experience in Underwriting and in the creation of new products, forms, and policy language. - Fully versed in the regulatory and legal review process necessary to support product approval. Education and Experience: - Bachelor’s Degree in Economics, Actuarial, Business Admin, Mathematics, or related analytic disciplines. - 5+ years of P&C experience in personal lines or small commercial/farm product management, actuarial, or sales/underwriting; but experience in portfolio-managed products would also be considered. - 5+ years in a core underwriting role which interacted directly with policy language. - Expert knowledge of insurance, actuarial principles, modeling, computer science, and data manipulation. - Experience managing direct reports and multiple stakeholder departments outside of the direct reporting relationship is a strong preference. - Experience with modeling and predictive analytics. - All the following would be considered preferred: - Graduate degree and/or related professional designations (Underwriting, Actuarial, and Finance). - Experience with managing products and interacting with regulatory environments in the states of Washington, Oregon, Idaho, Montana, Utah, Wyoming, and Arizona. - Experience working with an independent agency channel distribution. Physical Requirements: - Prolonged periods of sitting at a desk and working on a computer, including video conferencing.

Work Location: Wilmington, Delaware, United States of America Hours: 40 Pay Details: $115,440 - $186,160 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Product ManagementJob Description: The Senior Product Manager oversees the end to end management of assigned products, services and programs including features, benefits and characteristics that meet customer needs and are priced to meet the Bank's profit and loss objectives. The Senior Product Manager is accountable for building value proposition the business wants to deliver and mapping the investments required to get there. This role is responsible for formulating strategy, policy and overall direction of the identified product or suite of products portfolio. Depth & Scope: - Recognized as a strategic thinker with significant in-depth and/or breadth of expertise in a complex field and knowledge of broader related areas - Accountable for major functional areas with mass or niche products/segment suite and high levels of complexity and attributes - Generally accountable for a significant product management area that typically has enterprise wide impact or accountability - Enterprise or functional expert, requiring broad managerial and deep specialized knowledge at the enterprise, business, regulatory and industry levels - Senior specialist providing advisory services to executives, business segment leaders and governs the requirements for own work - May lead on product programs and projects on behalf of the business - Solves unique and ambiguous problems with broad impact; typically oversees standards, controls and operating methods that have significant financial and operational impact within the context of their own field - Develops and maintains a robust understanding of the regulatory requirements, customer, market, and industry to deliver product and process innovation to improve the value proposition - Develops and implements products/policies and procedures in such a way that it enhances the end to end customer experience (including training, enhancement and irritant reduction) while achieving business objectives - Oversees and ensures the clear and effective delivery of products and services to the customer - Acts as Subject Matter Expert for product-related inquiries - May lead business plans leveraging Acquisition and Segments teams to increase new account growth and track P&L impact - Liaises with partners (i.e. Marketing, Phone Channel, Retail) to understand industry and customer trends; analyzes challenges and identifies areas of opportunity through customer research, focus groups, and external secondary research; facilitates ideation sessions and builds necessary business cases for NPD, identifying solutions and building stronger plans for growth - Builds and maintains effective relationships with sales distribution, key internal stakeholders and/or external partners to ensure that customer needs are considered in strategic decisions and in the development of options, solutions and alternatives - Leads and facilitates problem solving sessions with partners and vendors - Designs end to end process for development, implementation, use, reporting and feedback on developed products and segments - Directs and coordinates market research to determine underlying customer needs – input to development process - Participates in the day to day management of the product(s), identifying and implementing product features and enhancements, providing business case support of recommendations and assisting in the strategic development of new initiatives - Adheres to enterprise frameworks or methodologies that relate to activities for own business area - Delivers financial results for the product/product suite via operation of all available levers: pricing, margin, volume etc., creates and delivers business cases to achieve strategic business results (acquisition, retention, customer experience, engagement and market share) - Supports Senior Management as a subject matter expert for the product(s) portfolio through all forms of written and verbal presentations, (product reviews, planning and forecasting, strategic review sessions) - Conducts ongoing industry and competitive analysis to obtain market insights and ensure Acquisition Teams are kept informed of matters to be competitive and win in the marketplace - Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques - Refines product management strategies through detailed analysis of the P&L, ongoing competitive research and review of marketing/risk management tactics - Ensures effective product policies and processes are established to support business processes align with risk appetite - Oversees product management deliverables within budget and as per the approved product plan, working with business partners to develop the content of those deliverables - Champions the development of the annual business plan and the monthly/quarterly forecast process - Contributes to and supports partner led projects as identified - Participates and collaborates on initiatives with internal and external service providers (IT, operations, legal, compliance, marketing etc.) to ensure the product meets TDBG objectives and standards - Identifies and manages risks (market, credit, operational) associated with the product/segment - Develops/maintains productive working relationships with distribution channel owners - Is knowledgeable of and complies with Bank and Industry Codes of Conduct - Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite Education & Experience: - Undergraduate degree or product certificate and/or - 10+ years relevant experience - Previous Product experience required - Experience in leading strategy strongly recommended - Advanced knowledge of and ability to conduct product research, product analysis and development, forecasting, pricing, competitive intelligence - Knowledge of current and emerging competitor and market trends - Advanced ability to lead, plan, implement and evaluate program/project activities to ensure completion of product initiatives - Ability to forecast and contribute to strategic direction of the product management function and provide advice to senior leadership - Ability to establish goals and objectives that support the strategic plan - Skill in mentoring, coaching and performance management - Ability to communicate effectively in both oral and written form - Ability to work collaboratively and build relationships across teams and functions - Ability to work successfully as a member of a team and independently - Ability to exercise sound judgement in making decisions - Ability to analyze, organize and prioritize work while meeting multiple deadlines - Skill in preparing and managing budgets and P&L - Knowledge of and/or skill in using analytical software tools, data analysis methods and reporting techniques - Skill in using computer applications including MS Office - Ability to handle confidential information with discretion Preferred Qualifications: - Project Management Experience - Ability to cross-function - Previous existing customer credit card experience - Strong relationship management experience Employee/Team Accountabilities: - Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest - Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit - Participates in personal performance management and development activities, including cross training within own team - Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities - Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices - Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships - Contributes to a fair, positive and equitable environment that supports a diverse workforce - Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% - Domestic Travel – Occasional - International Travel – Never - Performing sedentary work – Continuous - Performing multiple tasks – Continuous - Operating standard office equipment - Continuous - Responding quickly to sounds – Occasional - Sitting – Continuous - Standing – Occasional - Walking – Occasional - Moving safely in confined spaces – Occasional - Lifting/Carrying (under 25 lbs.) – Occasional - Lifting/Carrying (over 25 lbs.) – Never - Squatting – Occasional - Bending – Occasional - Kneeling – Never - Crawling – Never - Climbing – Never - Reaching overhead – Never - Reaching forward – Occasional - Pushing – Never - Pulling – Never - Twisting – Never - Concentrating for long periods of time – Continuous - Applying common sense to deal with problems involving standardized situations – Continuous - Reading, writing and comprehending instructions – Continuous - Adding, subtracting, multiplying and dividing – Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.