.Zinia is the new checkout lending platform of the Santander Group. Zinia makes shopping simple, offering the possibility of splitting payments into interest-free installments in a fast and transparent way, powering merchants across Europe using technology from Openbank and Santander Consumer Finance.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.Zinia 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.MissionThe Chief Operating Officer (COO) is a key leadership role responsible for the efficient and effective day-to-day operations of the organization. Works closely with the CEO and other senior leadership to develop and implement strategies to optimize processes, drive profitability, and ensure seamless execution of the company's strategic goals.Responsibilities:Develop and implement operational plans to achieve business goals.Perform data analysis and identify areas for operational improvement.Partner with senior leadership to define and prioritize business strategies.Oversee and optimize daily operations through KPIs and dashboards.Manage and coordinate production processes, defining pathways leading to efficiency.Develop and implement policies and procedures to ensure efficiency and consistency in performance.Implement continuous improvement initiatives and discuss them with the senior management regularly.Ensure the effective implementation and utilization of technology systems. Adaption to regulatory implications on operational resilience of the technology in use.Frame the IT infrastructure and security within the parameters of the company. Create and implement policies for the operational management of the assets in place (SDLC, Cybersecurity, Obsolescence management, Recovery plans, Data Protection).Participate in the technology innovation initiatives to evaluate fitting with operational procedures and strategic goals.Identify, measure and manage potential operational risks arising from the activities of the company. Special focus on evaluation of threats such as fraud and other loss sources. Define plans and implement procedures for appropriate mitigation of these.Develop and implement contingency and disaster recovery plans. Evaluate scenarios, measure business impacts and create action plans. Perform regular tests to check its feasibility and negotiate alternative solutions to operate in case of disruption.Closely work with the leadership to support and facilitate the business plans and agreements with partners