Principal Consultant - Payments SME
Location: Hong Kong (Hybrid) | Practice Area: Banking & Payments | Type: Permanent
Shape the future of payments. Lead transformation. Deliver lasting impact.
The Role
As a Principal Consultant within Capco's Banking & Payments practice, you'll help leading financial institutions design, transform and modernise their payments capabilities. Combining deep payments expertise with strong consulting and technology knowledge, you'll lead complex engagements from discovery through to solution design and delivery.
You'll work closely with senior client stakeholders to define payment strategies, assess current state capabilities, and develop target operating models and technology solutions across domestic and cross-border payment ecosystems. As a trusted advisor, you'll bring industry insight, structured problem solving and strong communication skills to help clients navigate evolving customer expectations, regulatory requirements and industry change.
What You'll Do
- Payments consulting: Lead strategic and transformation initiatives across retail banking payments, helping clients optimise payment processes, operating models and technology capabilities.
- Discovery and solution design: Facilitate workshops, conduct assessments and lead discovery activities to define business requirements, target-state architecture and delivery roadmaps.
- Solution architecture: Design end-to-end payment solutions across domestic and cross-border payment ecosystems, ensuring alignment with business objectives, customer needs and regulatory requirements.
- Client advisory: Act as a trusted advisor to senior stakeholders, providing insights into market trends, emerging technologies and payments innovation.
- Consulting excellence: Develop high-quality presentations, executive papers and client deliverables, translating complex concepts into clear and compelling recommendations.
- Leadership and delivery: Lead multidisciplinary project teams, manage client relationships and support business development efforts across the Banking & Payments practice.
What We're Looking For
- Deep expertise within retail banking payments, supported by strong technology and solution design experience.
- Proven experience leading discovery workshops, requirements gathering activities and solution architecture engagements.
- Strong understanding of domestic and cross-border payment ecosystems, including local regulatory and compliance considerations.
- Experience delivering large-scale payments transformation programmes within financial services.
- Excellent consulting, stakeholder management and executive communication skills, with the ability to develop compelling client presentations and strategic recommendations.
- Strong commercial awareness and the ability to engage effectively with business and technology stakeholders at all levels.
- Experience working with leading financial institutions in Hong Kong and the wider Asia-Pacific region.
Why Join Capco
- Advise leading banks on some of the region's most strategic payments transformation programmes.
- Work in a collaborative, flat and entrepreneurial consulting culture.
- Access continuous learning, leadership development and industry certifications.
- Influence the future of payments, digital banking and financial services innovation.
- Help shape the growth of Capco's Banking & Payments practice across Asia.
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 and 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.
Skills Required
- Deep expertise in retail banking payments
- Strong technology and solution design experience
- Experience leading discovery workshops and requirements gathering
- Experience leading solution architecture engagements
- Strong understanding of domestic and cross-border payment ecosystems
- Knowledge of local regulatory and compliance considerations
- Experience delivering large-scale payments transformation programs in financial services
- Excellent consulting, stakeholder management, and executive communication skills
- Ability to develop client presentations and strategic recommendations
- Strong commercial awareness
- Experience engaging business and technology stakeholders at all levels
- Experience working with financial institutions in Hong Kong and the Asia-Pacific region
What the Team is Saying
Capco Compensation & Benefits Highlights
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Healthcare Strength — Health, dental, and vision coverage in the U.S. are characterized as strong, with good coverage and favorable costs. Mental health resources and broader wellbeing programs are also emphasized as part of a comprehensive package.
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Leave & Time Off Breadth — PTO and paid holidays are described as generous, with multiple mentions of strong vacation allowances. While client work can affect usage, the underlying entitlement is presented as solid.
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Parental & Family Support — Company materials highlight enhanced family-friendly policies, including substantial maternity and paternity leave. Flexibility and return-to-work support reinforce a family-oriented approach.
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.
