Transformation Consultant – Corporate & Institutional Banking and Lending

Job description

**Transformation Consultant – Corporate & Institutional Banking and Lending** Location: London (Hybrid) | **Practice Area**: Banking | Type: Permanent **Shape and deliver complex transformation across Corporate & Institutional Banking and Lending, combining deep industry expertise with outstanding consulting and client delivery.** **The Role** Capco are seeking an experienced Transformation Consultant to join our Banking practice in London, with a focus on Corporate & Institutional Banking and Lending. You will work with leading financial institutions to address strategic priorities, solve complex business challenges, and deliver high-impact business and technology transformation. Your Corporate & Institutional Banking and Lending expertise will be central to the role. You will work alongside senior client stakeholders and multidisciplinary Capco teams to shape strategy, transform products and customer journeys, modernise operating models and platforms, and translate strategic ambitions into tangible outcomes. Depending on your experience, you will lead workstreams or engagements, develop trusted client relationships, support and mentor colleagues, and contribute to the continued growth of our Corporate & Institutional Banking and Lending capabilities. **What You’ll Do** - Shape and deliver complex transformation initiatives across Corporate & Institutional Banking and Lending - Lead client workstreams and engagements spanning business, technology, operations, risk, data and regulatory change - Partner with senior stakeholders to understand strategic challenges, define target outcomes and translate strategy into executable transformation roadmaps - Apply deep domain expertise to areas such as corporate and commercial lending, transaction banking, trade finance, cash management, credit, client lifecycle management and front-to-back transformation - Support the transformation of lending propositions and journeys across origination, credit assessment and decisioning, credit approval & underwriting, post approval operations & servicing, portfolio management and restructuring - Help clients modernise operating models, processes, data, and technology platforms to improve efficiency, controls, customer experience and business performance - Identify and shape opportunities to apply AI, including Generative AI and Agentic solutions, across areas such as credit analysis, lending operations, relationship management, client servicing and operational processes - Help clients take AI-enabled opportunities from concept to execution, considering business value, process redesign, data, technology, operating model, risk, controls and responsible adoption - Lead analysis and problem solving, translating complex challenges into clear recommendations and high-quality client deliverables - Build trusted relationships with client stakeholders and effectively navigate complex organisational environments - Support and mentor junior consultants, helping develop capability and maintain high standards of client delivery - Contribute to practice growth through proposition development, proposals, thought leadership, and the identification and development of new client opportunities **What We’re Looking For** - Strong experience within Corporate & Institutional Banking and/or Lending - Expertise in one or more areas such as corporate and commercial lending, transaction banking, trade finance, cash management, credit, client lifecycle management, or front-to-back banking transformation - Management consulting experience, or significant experience delivering complex transformation within a leading bank or financial institution - Strong understanding of corporate and institutional banking products, processes, operating models, and supporting technology - Experience delivering business, technology, operational, digital, data, or regulatory change within complex banking environments - Excellent analytical and problem-solving skills, with the ability to structure complex challenges and translate them into clear recommendations and actions - Strong client-facing and stakeholder management skills, with the ability to build credibility and influence senior business and technology stakeholders - Experience leading workstreams, teams, or engagements and delivering high-quality outcomes in fast-paced environments - Commercial awareness and an interest in identifying client opportunities and contributing to practice growth - A strong understanding of how AI is reshaping banking and lending, with the ability to engage clients on practical use cases, opportunities, risks, and adoption considerations **Bonus Points For** - Deep expertise in corporate, commercial, syndicated, structured, asset-based or other forms of institutional lending - Experience in transaction banking, cash management, trade and working capital finance, or related corporate banking products - Experience delivering loan origination, lending platform, credit, or servicing transformation - Knowledge of front-to-back Corporate & Institutional Banking processes and the technology platforms that support them - Experience with platform modernisation, cloud adoption, data transformation, intelligent automation, or emerging financial technologies - Hands-on exposure to AI-enabled transformation, Generative AI, Agentic AI, intelligent automation, or AI-supported banking and lending propositions - Knowledge of UK and/or international banking regulation and its implications for corporate and institutional banking - Experience developing propositions, responding to RFPs, supporting sales activity, or growing existing client relationships - Experience working across multi-jurisdictional or global banking transformation programmes **Why Join Capco** - Deliver high-impact transformation for leading Corporate & Institutional Banking and Lending organisations - Work on some of the most important strategic, operational, and technology challenges facing the banking industry - Help clients shape and deliver the next generation of AI-infused banking, credit, and lending capabilities - Work in a collaborative, flat, and entrepreneurial consulting culture - Access continuous learning, training, and industry certifications - Build your consulting career through exposure to senior clients, complex transformation, and opportunities to lead - Help shape the future of Corporate & Institutional Banking and Lending We offer a competitive, people-first benefits package designed to support every aspect of your life: - **Core Benefits**: Discretionary bonus, competitive pension, health insurance, life insurance and critical illness cover - **Mental Health**: Easy access to CareFirst, Unmind, Aviva consultations, and in-house first aiders - **Family-Friendly**: Maternity, adoption, shared parental leave, plus paid leave for sickness, pregnancy loss, fertility treatment, menopause, and bereavement - **Family Care**: 8 complimentary backup care sessions for emergency childcare or elder care - **Holiday Flexibility**: 5 weeks of annual leave with the option to buy or sell holiday days based on your needs - **Continuous Learning**: Minimum 40 Hours of Training Annually: Take your pick—workshops, certifications, e-learning—your growth, your way. Business Coach assigned from Day One for one-on-one guidance - **Healthcare Access**: Convenient online GP services - **Extra Perks**: Gympass (Wellhub), travel insurance, Tastecard, season ticket loans, Cycle to Work, and dental insurance **Inclusion at Capco** We’re committed to making our recruitment process accessible and straightforward for everyone. If you need any adjustments at any stage, just let us know – we’ll be happy to help. We value each person’s unique perspective and contribution. At Capco, we believe that being yourself is your greatest strength. Our #BeYourselfAtWork culture encourages individuality and collaboration – a mindset that shapes how we work with clients and each other every day.