Commercial Product Manager – Savings (all genders)

Location: Berlin, Germany

Job Family: Product Management

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a rich history of innovation and client focus. As a Commercial Product Manager – Savings (all genders) in our Berlin office, you will be at the heart of shaping the future of our savings products within the Consumer Banking division. This role is pivotal in developing compelling propositions that enhance customer engagement and drive sustainable growth in the competitive European savings market. Reporting to the Head of Savings Products, you will leverage your expertise to innovate solutions that align with JP Morgan Chase's commitment to excellence and regulatory adherence, ensuring our offerings stand out in a digital-first landscape. Your primary focus will be on end-to-end product management, from ideation to execution. You will conduct in-depth market analysis to identify trends in savings behaviors, such as interest rate sensitivities and digital adoption, and translate these insights into actionable product features. Collaborating with diverse teams across technology, compliance, and sales, you will spearhead the development of user-friendly savings tools, including high-yield accounts and automated savings plans, while navigating the complexities of EU financial regulations like MiFID II. At JP Morgan Chase, your work will directly impact millions of customers, fostering trust and loyalty through personalized, secure financial products. This position offers a dynamic environment where you can thrive on challenging projects that blend commercial acumen with technological innovation. You will contribute to strategic initiatives that position JP Morgan Chase as a leader in sustainable banking, incorporating ESG factors into savings product design. With opportunities for global exposure and professional growth, this role is ideal for a proactive product manager passionate about the financial services industry. Join us in Berlin to help redefine how customers save and grow their wealth in an ever-evolving market.

Key Responsibilities

• Develop and refine the savings product proposition to meet customer needs and drive market share growth
• Conduct market research and competitive analysis to identify innovation opportunities in the savings sector
• Collaborate with cross-functional teams including marketing, risk, and technology to launch new features
• Monitor product performance metrics and implement enhancements based on customer feedback and data insights
• Ensure compliance with regulatory standards and internal JP Morgan Chase policies for all savings initiatives
• Lead stakeholder engagement with internal partners and external vendors to optimize product delivery
• Drive product roadmap planning, prioritizing initiatives aligned with business strategy
• Analyze customer behavior and trends to innovate savings solutions tailored to diverse segments
• Support go-to-market strategies, including pricing, promotion, and distribution channels
• Contribute to the overall commercial strategy for JP Morgan Chase's consumer banking in Europe

Required Qualifications

• Bachelor's degree in Business, Finance, Economics, or a related field
• Minimum of 5 years of experience in product management, preferably in financial services or banking
• Proven track record in developing and launching savings or deposit products
• Strong understanding of regulatory requirements in the European banking sector, including PSD2 and GDPR
• Experience with market analysis and competitive benchmarking in the savings market
• Proficiency in agile methodologies and product lifecycle management
• Excellent communication skills with the ability to collaborate across multicultural teams

Preferred Qualifications

• Advanced degree (MBA or Master's) in Finance or Marketing
• Experience working in a global financial institution like JP Morgan Chase
• Knowledge of digital banking trends and fintech innovations in savings products
• Fluency in German and English; additional European languages a plus
• Prior exposure to data analytics tools for product performance tracking

Required Skills

• Product strategy and roadmap development
• Market research and competitive analysis
• Financial modeling and ROI assessment
• Agile project management
• Stakeholder management and cross-functional collaboration
• Data analysis using tools like SQL or Tableau
• Regulatory compliance in banking
• Customer-centric innovation
• Strategic thinking and problem-solving
• Excellent verbal and written communication
• Proficiency in Microsoft Office Suite and collaboration tools like Jira
• Understanding of digital payment systems and APIs
• Risk assessment and mitigation
• Adaptability in a fast-paced environment
• Leadership and team influence skills

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance coverage
• Generous retirement savings plan with company matching contributions
• Paid time off including vacation, sick leave, and parental leave
• Professional development opportunities through JP Morgan's internal training programs
• Employee stock purchase plan and financial wellness resources
• Hybrid work model with flexibility for work-life balance in Berlin
• Access to global mobility programs and career advancement within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.