Managing Principal – Commercial Banking & Lending
Location: New York City / Charlotte | Practice Area: Banking & Payments | Type: Permanent
Shape the future of Commercial Banking and Lending. Lead complex transformations, modernize lending capabilities, and help financial institutions deliver better business and client outcomes.
The Role
At Capco, we're looking for an experienced Managing Principal to help grow our Banking & Payments practice, with a particular focus on Commercial Lending transformation and modernization.
You'll work with leading financial institutions to transform their commercial banking operations, lending products, and technology platforms. From loan origination and underwriting to servicing and portfolio management, you'll help clients streamline processes, modernize legacy systems, and improve the commercial lending experience.
This is a senior consulting leadership role combining deep commercial banking expertise, strategic transformation delivery, and business development. You'll build trusted client relationships, identify growth opportunities, and guide multidisciplinary teams to deliver meaningful business outcomes.
What You’ll Do
- Lead Commercial Banking Transformation: Oversee large-scale initiatives across commercial lending, treasury management, digital banking, and operational modernization, connecting business strategy with technology delivery.
- Modernize Commercial Lending: Help clients optimize the end-to-end lending lifecycle, including prospecting, credit assessment, underwriting, loan origination, servicing, credit monitoring, and portfolio management.
- Shape Lending Technology Solutions: Guide the implementation and modernization of commercial loan origination and servicing platforms, improving workflows, credit decisioning, data integration, and operational efficiency.
- Grow Client Relationships & Commercial Opportunities: Partner with senior banking executives to identify market opportunities, develop go-to-market strategies, shape differentiated solutions, and build a sustainable pipeline of consulting engagements.
- Lead Delivery & Develop Teams: Provide strategic oversight of complex transformation programs, manage delivery risks, and guide cross-functional consulting teams to deliver high-quality client outcomes.
What We’re Looking For
- Consulting & Banking Experience: 10+ years in financial services consulting, with expertise in commercial banking, lending, cash management, and transformation.
- Commercial Lending Expertise: Knowledge of the end-to-end lending lifecycle, including origination, underwriting, credit risk, servicing, and portfolio management across CRE and C&I lending.
- Banking Platforms & Technology: Experience with commercial loan origination and servicing systems, lending technology vendors, and platform modernization.
- GenAI & Intelligent Automation: Experience with GenAI applications in commercial banking, including credit underwriting, loan origination, portfolio monitoring, and relationship manager productivity, with the ability to identify opportunities to improve efficiency and client outcomes.
- Transformation & Program Delivery: Proven experience delivering complex banking transformations, including process improvement, systems integration, and technology implementation.
- Stakeholder & Commercial Leadership: Experience managing senior client relationships, leading consulting teams, and contributing to go-to-market strategies and business development.
Bonus Points For
- Experience with commercial lending products, including secured and unsecured facilities, revolving credit, term loans, and commercial real estate financing.
- Familiarity with commercial lending technology platforms, vendor solutions, and the regulatory requirements governing commercial credit and lending.
- Knowledge of treasury and cash management, commercial digital banking channels, and their integration with lending operations.
- Experience leveraging data analytics, automated credit decisioning, and digital capabilities to improve lending processes and client experiences.
- Experience working in Agile delivery environments, with advanced Excel and PowerPoint skills. An MBA or relevant advanced qualification is advantageous.
Why Join Capco
- Deliver high-impact technology and business transformation solutions for leading financial institutions.
- Work in a collaborative, flat, and entrepreneurial consulting culture.
- Access continuous learning, professional development, and industry certifications.
- Help shape the growth and direction of our Commercial Banking and Lending practice.
- Be part of a team shaping the future of digital financial services.
Benefits
We offer a competitive, people-first benefits package designed to support every aspect of your life:
- Healthcare Coverage: Medical, dental, and vision benefits.
- Retirement Planning: 401(k) matching contributions.
- Family-Friendly Support: Maternity and paternity leave, alongside dependent care benefits.
- Learning & Development: Tuition reimbursement to support your continued professional growth.
- Wellness Support: Wellness reimbursement.
- Financial Flexibility: Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
- Commuter Benefits: Support for eligible commuting expenses.
- Everyday Savings: Access to Working Advantage, a discounted marketplace offering savings on products, services, and experiences.
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.
Use of Artificial Intelligence in Talent Acquisition
At Capco, we use artificial intelligence (AI) tools to support and enhance several parts of talent acquisition. This includes using AI-enabled features within LinkedIn to help source potential candidates, speeding up routine recruitment communications such as emails and creating compelling and brand-aligned job postings that accurately reflect role requirements, and AI-scheduling applications to improve the efficiency of interview coordination.
AI is used as a support tool only. All hiring decisions are made by talent acquisition and hiring teams.
Why This Role Is Open
We are currently hiring for this role due to an existing or newly created vacancy within our organization. This position is open as part of our ongoing business needs, and we are actively reviewing applications to fill this role with a qualified candidate who can make an immediate impact.
#LI-JC1
Skills Required
- 10+ years of financial services consulting experience
- Expertise in commercial banking, lending, cash management, and transformation
- Knowledge of the end-to-end commercial lending lifecycle, including origination, underwriting, credit risk, servicing, and portfolio management
- Experience with commercial loan origination and servicing systems, lending technology vendors, and platform modernization
- Experience with GenAI applications in commercial banking
- Experience delivering complex banking transformations involving process improvement, systems integration, and technology implementation
- Experience managing senior client relationships and leading consulting teams
- Experience contributing to go-to-market strategies and business development
- Experience with commercial lending products, including secured and unsecured facilities, revolving credit, term loans, and commercial real estate financing
- Familiarity with commercial lending technology platforms, vendor solutions, and regulatory requirements governing commercial credit and lending
- Knowledge of treasury and cash management, commercial digital banking channels, and their integration with lending operations
- Experience leveraging data analytics, automated credit decisioning, and digital capabilities to improve lending processes and client experiences
- Experience working in Agile delivery environments
- Advanced Microsoft Excel and PowerPoint skills
- MBA or relevant advanced qualification
What the Team is Saying
Capco Compensation & Benefits Highlights
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Healthcare Strength — Health insurance is described as comprehensive with multiple plan options and generally low copays, and mental-health support and EAP resources reinforce this strength.
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Leave & Time Off Breadth — Paid time off, holidays, and sick leave are often highlighted as generous, with flexible time-off arrangements supporting work-life balance.
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Parental & Family Support — Parental leave is characterized as generous, and family-planning benefits such as fertility, adoption assistance, childcare support, and coverage for family members are emphasized.
Capco Insights
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent. TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients. DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success. DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions. ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
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Capco Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
