Cash Management – Liquidity Product Associate

IT STARTS HERE

Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. 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 professionalsto grow, learn, and make a real difference.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale products to best meet their needs.

THE DIFFERENCE YOU MAKE

Santander Corporate & Investment Banking (Santander CIB) is looking for a Cash Management - Liquidity Product Associate based in Madrid, within GTB - Global Cash Management | Liquidity Solutions.

Working as part of the Global Liquidity Management team, you will play a key role in the ongoing transformation and expansion of Santander’s global liquidity product offering. This is an exciting opportunity to help define the global product roadmap, standardise capabilities and drive the end-to-end development and growth of core liquidity solutions such as Cash Concentration, Transactional FX and Virtual Accounts.

We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:

• Working closely with Global and Local GTB Cash Sales and Product teams to analyse client requirements and industry trends, delivering solutions aligned with GTB’s strategic goals.
• Supporting customer retention and new business growth through the optimisation and evolution of liquidity products.
• Liaising with internal stakeholders to ensure existing liquidity products continue to support business needs and target growth.
• Supporting the identification, design and development of new liquidity products, ensuring alignment with client needs and governance requirements.
• Producing end-to-end documentation required for product approvals, from concept through to full approval.
• Acting as a subject matter expert for internal teams and clients, providing technical expertise across stakeholder groups.
• Maintaining and evolving the Target Operating Model for liquidity products in collaboration with Operations, IT and Front Office teams.
• Centralising and streamlining the global liquidity product offering to deliver a unified global proposition.
• Monitoring and managing global product performance, defining key metrics to drive growth and ensuring reporting is clear and client friendly.
• Operating independently with a high level of ownership and self-motivation.

WHAT YOU’LL BRING

Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.

The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Professional Experience

• 3+ years of experience in Cash Management, Liquidity Products, Treasury or related fields (Required)
• Strong understanding of liquidity structures, product development and global banking frameworks (Required)

Education

• Bachelor’s or Master’s Degree (Required)

Languages

• English (Required)
• Additional languages (Preferred)

Hard Skills

• Strong knowledge of global cash management and liquidity products
• Experience in product development, pricing, governance and operating model design
• Full proficiency in Microsoft tools (Excel & PowerPoint)

Soft Skills

• Excellent analytical and problem-solving skills
• Strong communication and stakeholder management abilities
• Ability to work effectively in global, cross-functional environments

WE VALUE YOUR IMPACT

Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers.

• We’reenable our teams to go beyond through global opportunities and broad career paths.
• Flexibility that works. Enjoy a hybrid working models -some days remote, some days onsite with your team-along with flexible hours.
• Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com)
• Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.
• Financial advantages. Benefit frompreferential banking terms, special interest rates on loans, life insurance, and more.
• Your health is our priority. ThroughBeHealthy, our global wellness programme, we promote Holistic wellbeing.
• We know family is everything. That’s why we offer childcare support and family-friendly programmes tailored to each life stage.
• Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.
• Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that’s only the beginning-we’ll tell you more when you join!

We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.

LOCAL COMPLIANCE

Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.

WHAT TO DO NEXT

If this sounds like a role you are interested in, then please apply.

READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?

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