Global Trade Payables Product Associate
About the job
- A minimum of 4–6 years of experience in banking or related industries, focused on Trade Finance, Working Capital Solutions, or related fields.
- A proven track record of originating and structuring complex transactions, with a strong focus on business generation and revenue growth.
- Knowledge of Payable Finance, Supply Chain Finance, and other structured financing solutions.
- An understanding of regulatory requirements and risk management principles.
- A bachelor's degree in Finance, Economics, Business Administration, engineering, or a related field.
- English language proficiency; Spanish is highly valued and other languages are a strong plus.
- Advanced technical expertise in Trade and Working Capital Solutions, especially Payable Finance, Supply Chain Finance, and related products.
- Strong analytical and problem-solving skills, with the ability to navigate complex transactions across multiple environments.
- Solid knowledge of accounting standards applicable to trade finance products and balance sheet structures.
- A comprehensive understanding of regulatory frameworks and risk management principles.
- Excellent communication and interpersonal skills to build strong relationships with clients and internal stakeholders.
- The ability to perform effectively in dynamic environments, demonstrating adaptability and resilience.
- Leadership and team-management skills, with the ability to motivate, inspire, and develop talent.
- Availability for international travel.
- Originate and structure innovative Trade and Working Capital Solutions transactions, including Payable Finance, Supply Chain Finance, and other structured financing solutions.
- Manage and grow the Trade Payables business wallet by identifying cross-selling opportunities and expanding business with existing and new clients.
- Lead and drive origination efforts in key core markets, industries, and segments, providing advanced knowledge and sales support to clients, sales teams, and bankers.
- Develop and support the structuring of tailored solutions for global clients while working closely with internal stakeholders and external partners.
- Contribute to the development of the bank's Trade and Working Capital Solutions product offering by identifying opportunities for growth and improvement.
- Identify, generate, and convert new business opportunities by understanding and anticipating client needs.
- Collaborate with middle office, risk, legal, and PDM support functions to ensure seamless transaction execution and compliance with regulatory requirements.
- Spanish language proficiency.
- Knowledge of other languages.
About the company
Santander is a global bank focusing on retail and commercial banking in Europe and the Americas. It serves individuals and SMEs through strong regional franchises (Spain, Brazil, the UK, the US) and a broad Consumer Finance arm, while supporting multinational clients via its Corporate & Investment Banking division. It digitalizes core banking on its Gravity cloud to rapidly deploy digital solutions like Openbank and cross-border services, blending fintech agility with a traditional bank balance sheet. Its goal is to improve efficiency under the One Santander framework, grow cross-border revenue, and finance sustainable initiatives aligned with Net Zero targets.
Company Size
10,001+
Company Stage
IPO
Headquarters
Boadilla del Monte, Spain
Founded
1902
Get referred to Santander
See people who can refer or advise you
Simplify's Take
What believers are saying
- Green finance reached €188 billion by June 2026, 85% of the 2030 target.
- Peru's 467 MWp Illa solar financing expands Santander's Andean project-finance franchise.
- H1 2026 revenue grew 6.5%, supporting management's 2026 profit-growth target.
What critics are saying
- Santander UK booked £633 million for motor-finance redress; tribunal hearings run into 2027.
- Webster integration threatens synergies, capital ratios, and the 2028 U.S. profitability thesis.
- Santander UK cut 44 branches in 2026, risking customer attrition and labor conflict.
What makes Santander unique
- Santander completed Webster acquisition on August 20, 2026, creating a top-ten U.S. bank.
- Gravity migrated 97% of IT to cloud, enabling faster product rollouts.
- Openbank and Work Cafés give Santander a hybrid digital-branch model across markets.
Help us improve and share your feedback! Did you find this helpful?
Benefits
Health, dental, & vision
401k
Flexible PTO
Parental & sick leave
Discounts: technology, travel, auto, fitness, & tuition
Growth & Insights and Company News
6 month growth
-14%1 year growth
-3%2 year growth
-3%Global law firm Clifford Chance has advised a syndicate of lenders on US$480 million in senior unsecured facilities for Alicorp, a Peruvian consumer goods company. The financing includes a five-year US$250 million term loan facility and a three-year US$230 million revolving credit facility. The term loan is divided into tranches for Alicorp's operations in Colombia (up to US$110 million), Spain (US$35 million), and Ecuador (US$90 million). The revolving facility is for Alicorp's Peruvian entity and includes two one-year extension options. Banco Bilbao Vizcaya Argentaria, Citibank, JPMorgan Chase Bank, and Banco Santander served as joint lead arrangers and bookrunners. The transaction spans four jurisdictions and two currencies, with proceeds earmarked for general corporate purposes and liquidity management.
CTO Realty Growth has closed a $1.0 billion unsecured credit facility, extending its debt maturity profile and increasing total commitments by $250 million. The Winter Park, Florida-based owner and operator of open-air shopping centres will use proceeds to repay outstanding borrowings under its previous $300 million revolving credit facility and two term loans. The new facility comprises a $400 million revolving credit facility due September 2030 and four term loans ranging from $150 million each, maturing between September 2029 and March 2032. The refinancing increases the company's weighted average debt maturity to 4.3 years from 1.6 years. Initial fixed interest rates on the term loans range from 3.4% to 5.3%, based on applied SOFR swaps. The facility was provided by a syndicate led by KeyBank National Association.
Optimitive won the Internationalization Runner-up Award in Álava at the PYME of the Year Awards! Published:30 de September de 2026 OPTIMITIVE has been granted the Internationalization Runner-up Award in Álava at the PYME of the Year Awards, an accolade given by the Spanish Chamber of Commerce and Banco Santander, in collaboration with El Correo and SEA Empresas Alavesas. The awards ceremony took place on September 29 in Vitoria-Gasteiz, and OPTIMITIVE was represented by several team members, including Fernando de la Prida, CEO, and Javier A. García Sedano, Founder and CTO. In the words of the latter, who collected the award: "Internationalization is in our blood. We have always believed that the barriers were not in geography, but in the mind. You don't need to be in Silicon Valley to create world-class technology; it can be done in Vitoria, and we can make Vitoria a Silicon Valley." OPTIMITIVE and internationalization as a core value Since OPTIMITIVE's mission is to make industrial processes more efficient and sustainable through the use of Artificial Intelligence, helping to create a better world to live in, borders do not exist. Internationalization is one of OPTIMITIVE's core values. The company has carried out projects around the world since its origins, and today it optimizes industrial processes in seven major regions of the world (Europe, North America, South America, Africa, the Middle East, India and Asia-Pacific). But it is not only about looking outward: at home, internationalization is also a key consideration when building the team. Respect, diversity and inclusion, along with HR policies geared towards equal opportunities, have resulted in nine different nationalities among its employees and executives. Thank you to the Spanish Chamber of Commerce, Banco Santander, El Correo and SEA Empresas Alavesas for this recognition.
Global law firm Clifford Chance advised Banco Santander, S.A. (Santander), as lead arranger and lender, in connection with a senior secured term loan facility of up to US$209 million made available to members of the Ransa group across Spain, Peru, Chile, Colombia, Guatemala, Honduras and El Salvador.
NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION DIRECTLY OR INDIRECTLY TO ANY U.S. PERSON OR ANY PERSON LOCATED IN THE UNITED STATES OF AMERICA OR IN ANY OTHER JURISDICTION WHERE IT IS UNLAWFUL TO...