Digital Business Expert - Growth and New segments

About the Position

At ING, we are looking for a Digital Business Expert (Cuenta START within the Daily Banking Tribe) to join our Growth and New Segments area of Daily Banking & Savings Tribe, which strongly supports the development and evolution of Cuenta START, our value proposition for younger sub-segments.

In this role, you will be responsible for owning and evolving end-to-end customer journeys, ensuring the delivery of a best-in-class experience while driving business growth and strategic positioning in the youth segment.

You will work in a cross-functional agile squad, collaborating closely with Product Owners, Tech, Data, Legal, Compliance, Fraud, and Architecture teams, acting as a key bridge between business and technology.

Responsibilities

• Own end-to-end customer journeys: design, align, and evolve journeys from ideation to production, ensuring full definition across business, legal, compliance, and technical domains.
• Drive delivery from idea to production: translate business needs into actionable requirements, define User Stories, support backlog refinement, and ensure iterative MVP delivery until rollout.
• Lead cross-functional alignment: work closely with Legal, Compliance, Fraud, Architecture, and Tech to ensure robust, compliant, and scalable solutions.
• Act as Business Guardian: ensure journeys meet regulatory and internal standards, safeguarding customer and business integrity.
• Be strongly data-driven: extract, analyze, and interpret data to generate insights, monitor performance, and support decision-making.
• Proactively understand customer behavior: monitor funnels, usage, and customer feedback to identify opportunities and continuously improve journeys.
• Drive business impact: identify growth opportunities and contribute to improve acquisition, activation, and engagement of START customers.
• Support Product Owner in backlog management and roadmap.
• Bring creativity and an out-of-the-box mindset, thriving in a multidisciplinary agile environment where stakeholders and developers collaborate daily.

Requirements

• Proven experience in product, customer journey, ideally in digital or banking environments.
• Strong experience in designing and implementing end-to-end customer journeys, including cross-functional validation with Legal, Compliance, Risk, and Tech.
• Data-driven and analytical mindset, with a clear focus on results.
• Strategic and creative thinker with a proactive, hands-on attitude and strong drive to make things happen.
• Customer-centric mindset.
• Excellent understanding of Agile ways of working, backlog management, and MVP delivery.

We Offer

• Flexible work model: Determine which days you work from home and which you come to ING MAD to offer your best self.
• Restaurant card: So that thinking about what to have for lunch doesn’t take up your time or your cravings.
• Office perks: Electric mobility solutions, doctor, hairdresser, gym, The Good Service (to help you with your errands), and much more!
• Health insurance: For you and all your family (spouse/partner and children).
• Life insurance: We help you protect what matters most to you.
• Flexible remuneration: Access to other services such as nursery, transport card, training aids, etc.
• Free company shuttle: 6 routes (North, Central, South, A5, A42, and A6) to get you to our ING office in Madrid comfortably.
• Banking benefits: Special loans with more beneficial conditions, special mortgage conditions after 6 months working at the bank, and pension plan benefits after 1 month with us.
• More vitality and belonging: 360º care of the employee (physical, mental, social connection & purpose), physiotherapy service on site, clinics with professional, world-class athletes, Gympass service, and Employee Networks: Rainbow Lions (LGBTQI+), Leonas & RIÑG.
• International Remote work program.

About the Company

We are a team of more than 1,800 people sharing one idea: doing our bit in helping our clients create a better future for themselves, by providing them with the tools they need to get where they want to go.

A fully online bank where technology, innovation, simplicity, and transparency are the main ingredients, and the first one to work with agile methodologies.

And although we are based in Spain, we are lucky to work in an international bank with presence in more than 40 countries.

We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion, and Belonging to foster a culture of collaboration and innovation that represents all collectives in the society.

And even though we look orange on the outside, we are green on the inside. Our ambition in Sustainability is Empowering (y)our Sustainability journey. We are embarking on our path, for us, but we are also there for when our clients decide to embark on this journey.

Making things happen, helping others be successful, always being one step ahead-that’s our DNA. If you look at yourself in the mirror and your reflection matches our way of being and working…we are looking forward to meeting you!

At ING, you belong just as you are. We hire and support people for their talent and potential - and we know that when you can be yourself, you do your best work.