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Ursula Weigl


Leads our activities in consumer and car finance in Europe and is part of the retail banking leadership team

Ursula is a partner at McKinsey based in Munich. She serves banks, captives, and other financial institutions across Europe in developing strategies, applying advanced analytics, and digital business building. Her areas of expertise include consumer lending, car finance and leasing, and digital and multichannel sales in retail banking.

Examples of Ursula’s recent projects include the following:

  • designing a greenfield car leasing attacker for a large OEM’s captive bank
  • building a new financial service offering for retail customers for an Austrian non-bank client
  • developing the remote advisory and sales model for a European consumer finance specialist
  • defining the post-COVID-19 credit risk strategy for consumer loans
  • redesigning the organizational setup and defining a new target operating model for a German bank
  • developing a multichannel strategy for a multiline insurance carrier
  • setting up a strategic partnership and developing joint leasing Europe growth strategy
  • supporting a commercial due diligence analyzing a leading consumer finance startup
  • reviewing the retail growth strategy of a leading direct bank
  • defining the distribution strategy for a leading retail bank in Eastern Europe including organizational setup, governance model, and footprint optimization
  • building a digital cash loan journey with instant decisioning and same-day payout for a leading European retail bank
  • setting up a joint venture between a consumer finance bank and a telco to become a digital neo bank anchored around cash loans
  • setting up an advanced analytics center of excellence with focus on revenue-driving use cases for a large universal bank
  • developing the retail distribution strategy for a German bank including new service model with remote advisory and multi-channel offering as well as branch footprint optimization

Published Work

European mobility finance: A €25 billion growth opportunity,” McKinsey & Company, October 2023

From owner to user: Why consumers want more flexible car access models,” McKinsey & Company, June 2023

A new breed of car financing: Feature bundles and embedded services,” McKinsey & Company, May 2023

Car leasing in Europe: Managing residual value for a €12 billion opportunity?” McKinsey & Company, March 2023

There’s gold in data mining,” McKinsey & Company, February 2021

Financial decision-maker sentiment: Germany,” McKinsey & Company, December 2020

Subscribed to future auto finance yet?” McKinsey & Company, November 2020

COVID-19: The next normal for German retail banks,” McKinsey & Company, July 2020

European consumer finance: Moving to a ‘next normal’,” McKinsey & Company, June 2020

The road to success: Perspectives on German banking,” McKinsey & Company, May 2019

The road ahead: Perspectives on German banking,” McKinsey & Company, April 2016

Strengthening the real economy: Harnessing the power of long-term investors,” World Economic Forum, January 2016


Technical University of Munich & Augsburg University
MSc, finance and information management
BSc, finance and information management