Job description
Senior Mortgages Transformation Lead
Location: London (Hybrid, 3 days per week office-based) | Practice Area: Banking & Payments | Type: Permanent
Drive mortgage innovation across the UK’s leading financial institutions
The Role
We’re looking for a Senior Mortgages Transformation Lead to join our Banking & Payments team. You’ll work with Tier 1 banks, building societies, and specialist lenders to shape and deliver high-impact mortgage strategies and transformation programmes. Acting as both subject matter expert and product owner, you’ll play a pivotal role in enhancing customer experiences, streamlining operations, and enabling commercial growth through innovative solutions.
What You’ll Do
Lead large-scale mortgage transformation initiatives as SME or Product Lead
Design strategic roadmaps focused on efficiency, customer outcomes, and business value
Develop compelling business cases and target operating models for mortgage propositions
Provide business oversight and subject matter expertise across change programmes
Collaborate with cross-functional teams to deliver integrated, forward-thinking solutions
What We’re Looking For
Extensive experience in financial services with a deep focus on mortgages and secured lending
Proven ability to lead transformation across strategy, design, mobilisation, and delivery
Strong consulting or industry background with hands-on exposure to the mortgage lifecycle
Skilled in engaging senior stakeholders and resolving complex design and delivery issues
Expertise in digital lending platforms, fintech innovation, and API-based solutions
Bonus Points For
Experience with journey design, pricing optimisation, and channel transformation
Deep commercial insight and experience in business case modelling
Ability to operate in high-pace environments while balancing strategic and tactical thinking
Familiarity with risk, finance, servicing, and operations within a mortgage context
Track record of delivering measurable outcomes in cost-to-serve and customer satisfaction
Why Join Capco
Deliver high-impact technology solutions for Tier 1 financial institutions
Work in a collaborative, flat, and entrepreneurial consulting culture
Access continuous learning, training, and industry certifications
Be part of a team shaping the future of digital financial services
Help shape the future of digital transformation across FS & Energy
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. Also, Business Coach assigned from Day One: Get one-on-one guidance to fast-track your goals and accelerate your development.
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.
