CX & X-Sell Manager - Openbank Pay

Openbank Pay is the new checkout lending platform of the Santander Group. Openbank Pay makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way, powering merchants across Europe.

This is an exciting opportunity to make your contribution over a growing market within the business areas of lending, cobranded credit cards and buy-now-pay-later with a solid expansion across different countries with global leading merchants.

Openbank Pay leverages the technological resources and expertise of Openbank, the digital-native bank of the Santander Group, which is currently rolling out its international expansion plans. Through a simple and flexible banking model, Openbank offers customers the possibility to manage their finances on the website or app.

Mission and responsibilities:

Openbank Pay is seeking a performance-driven CX & X-Sell Manager fully dedicated to maximizing cross-sell and upsell opportunities across the existing customer base.

This role owns the design, execution and optimization of cross-sell and upsell strategies across products (Cards, BNPL, Installments, Cash Loans, Insurance and future products), ensuring measurable incremental revenue and improved customer lifetime value.

The main tasks of this role will be the following:

Cross-Sell & Upsell Strategy

• Define and execute the European cross-sell and upsell roadmap.
• Identify high-propensity segments and prioritize economically impactful initiatives.
• Align cross-sell initiatives with product availability and risk appetite.

Campaign Design & Execution

• Design and launch targeted cross-sell campaigns across channels (app, web, push, email, merchant touchpoints).
• Partner with Marketing, Data and Product to implement personalized triggers and journeys.
• Ensure high-quality execution and performance tracking.

Performance Optimization

• Own KPIs such as cross-sell rate, incremental revenue, CLV uplift and campaign ROI.
• Conduct A/B testing and continuous optimization cycles.
• Leverage behavioral data and propensity models.

Customer Experience Enhancement

• Ensure cross-sell initiatives enhance rather than deteriorate customer experience.
• Integrate VOC and satisfaction insights into optimization loops.
• Balance commercial intensity with long-term retention.

To be successful in the role you must have:

• +4 years of experience in cross-sell, upsell, growth or lifecycle roles in fintech, banking or ecommerce.
• Strong analytical skills and hands-on campaign performance management.
• Experience working with data segmentation and propensity models.
• Solid understanding of credit products and digital customer journeys.
• Fluent English.

Nice to have:

• Experience with marketing automation tools (Adobe, etc.).
• Exposure to embedded finance or cobranded ecosystems.
• Experience optimizing cross-sell in regulated environments.

What do we offer?

- Joining a dynamic and agile company undergoing international expansion.

- Working in start-up mode with the support of the Santander Group.

- Competitive remuneration and attractive benefits package.

- Possibility of growth within the company and the Group.

- Collaborating on international projects in different countries.

- Excellent work environment, social clubs and frequent events.

Would you like to grow with us? Join our team!

Openbank / ODS is an equal opportunity employer. All applicants will be considered as equal without paying attention to gender identity, sexual orientation, ethnicity, religion, age, political orientation, union membership nor disability status.

We make recruiting decisions based on your experience and skills. We value your passion to discover, invent, simplify, and build.

The personal data you provide as well as any data generated during the selection process are confidential and will be processed by Open Bank, S.A./ Open Digital Services, S.L. with registered office at Plaza de Santa Bárbara 2, 28004 (Madrid), for the sole purpose of managing your participation in the selection processes and, where appropriate, to formalise your recruitment. 

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