JOB DESCRIPTION
Help shape the next phase of growth for a fast-moving digital retail banking business in Germany. In this role, you will sit at the heart of commercial decision-making—turning financial analysis, customer economics, and performance trends into clear, actionable insight. You will work closely with partners across finance, strategy, product, marketing, and treasury to influence where we invest and how we grow. If you enjoy combining rigorous modelling with practical business judgement, this is an opportunity to make a visible impact.
Job summary
As a Commercial Finance Business Partner in German Digital Retail Banking, you will help translate growth ambitions into financial plans, models, and recommendations that inform day-to-day and strategic decisions. You will partner across teams to improve forecasting, profitability insight, and commercial performance, and you will communicate complex analysis clearly to senior stakeholders. Working in a dynamic environment, you will provide thoughtful challenge, highlight risks and opportunities, and help drive accountability through high-quality reporting and governance support.
Job responsibilities
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Partner with key business workstreams, providing commercial insight and constructive challenge to support business objectives
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Deliver core planning, forecasting, and performance analysis for the German retail banking business
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Build and maintain financial models supporting business cases, portfolio growth, customer economics, and profitability analysis
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Collaborate with strategy, product, marketing, treasury, and finance partners to support decision making with clear financial insight
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Analyse business performance, customer behaviour, market trends, and financial drivers to identify risks and growth opportunities
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Support initiatives to optimise pricing, product mix, marketing investment, and customer segmentation
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Develop management reporting and dashboards that strengthen decision making and performance accountability
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Prepare clear analysis, presentation materials, and commentary for senior management, business reviews, and governance forums
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Contribute to regulatory submissions, model governance, and documentation requirements as needed
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Lead selected ad hoc projects across planning and broader finance topics
Required qualifications, capabilities, and skills
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Degree-level education in finance, accounting, economics, business administration, or a related field
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Experience in commercial finance, financial planning and analysis, banking, strategy finance, corporate finance, or financial services
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Demonstrated ability to build financial models and explain key assumptions and drivers clearly
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Strong analytical and problem-solving skills, with the ability to interpret complex financial data and translate it into insights
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Strong presentation and storytelling skills, with the ability to create clear materials for senior stakeholders
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Strong commercial judgement and business acumen, particularly in customer and product profitability analysis
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Solid understanding of profit and loss, balance sheet, margins, and financial planning concepts
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Strong communication and interpersonal skills, with the ability to build relationships and influence across teams
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Ability to work in a fast-paced environment with evolving priorities, using a structured and proactive approach
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Fluency in English
Preferred qualifications, capabilities and skills
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Professional qualification such as Chartered Financial Analyst, Master of Business Administration, or equivalent
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Experience in digital banking or retail banking environments
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Background in strategy consulting or advisory (including large professional services firms)
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German language skills
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ABOUT US
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.
Global Finance & Business Management works to strategically manage capital, drive growth and efficiencies, maintain financial reporting and proactively manage risk. By providing information, analysis and recommendations to improve results and drive decisions, teams ensure the company can navigate all types of market conditions while protecting our fortress balance sheet.
