Retail Mortgages & Secured Lending Product Owner/Consultant – Banking


London, England, United Kingdom, ENG

London, England, United Kingdom, ENG
30+ days ago


Retail Mortgages & Secured Lending Product Owner/Consultant – Banking

Joining Capco means joining an organisation that is committed to an inclusive working environment where you’re encouraged to #BeYourselfAtWork. We celebrate individuality and recognize that diversity and inclusion, in all forms, is critical to success. It’s important to us that we recruit and develop as diverse a range of talent as we can and we believe that everyone brings something different to the table – so we’d love to know what makes you different. Such differences may mean we need to make changes to our process to allow you the best possible platform to succeed, and we are happy to cater to any reasonable adjustments you may require. You will find the section to let us know of these at the bottom of your application form or you can mention it directly to your recruiter at any stage and they will be happy to help.


Capco is a global technology and business consultancy, focused on the financial services sector. We are passionate about helping our clients succeed in an ever-changing industry.

We are/have:

  • Experts in banking and payments, capital markets and wealth and asset management
  • Deep knowledge in financial services offering, including e.g. Finance, Risk and Compliance, Financial Crime, Core Banking etc.
  • Committed to growing our business and hiring the best talent to help us get there
  • Focused on maintaining our nimble, agile and entrepreneurial culture


To support our growth plans in Banking, we are looking for consultants who are highly-skilled and experienced in retail product owner roles across the mortgages and secured lending landscape, ideally including expertise in customer journey development (both customer acquisition and servicing), product design, servicing operations, treatment of vulnerable customers, arrears, forbearance, collections and recoveries. Key responsibilities of the role include:

  • Product owner experience in a secured lending and/or mortgages environment
  • Be a self-motivator, capable of leading a team of Capco and client colleagues
  • Facilitation of the definition of project goals, budgets, tasks and resource requirements
  • Resolve or assist in the resolution of prioritisation/backlog conflicts within and between projects, business or functional areas
  • Developing offerings to respond to new retail consumer developments, inclusive of market research and product design

Here’s what we expect

It is crucial that you share our appetite for new and emerging technologies, particularly in the domains of mortgages, retail banking and regulatory technology. The ability to help our clients realise the opportunity that their adoption represents in dealing with today’s business challenges is critical to the role. From day one, your key skill will be to perceive new and better ways of doing things to give your clients a daring advantage.

  • Intellectual curiosity and a willingness to learn
  • Good communication skills, and an ability to present complex ideas in simple ways
  • Confidence in your ideas, but modesty about how you conduct yourself
  • A problem-solving attitude, being innovative and having a flexible working style
  • Experience working well with a team, but confidence to take the initiative when necessary


  • Technical skills/expertise
  • Experience of secured lending and/or mortgages in either a project, programme, or operational environment
  • Experience designing and implementing mortgage/lending customer experiences
  • Experience designing and implementing mortgage/lending platforms
  • Experience in designing/reviewing customer treatments, especially to be compliant with ‘Treating Customers Fairly’ (TCF) principles and vulnerable customers guidelines (including but not limited to arrears handling and collections processes)
  • Knowledge of lending/MCOB regulatory frameworks
  • Consulting skills/expertise
  • Significant experience working within Financial Services as a Product Owner
  • Proven stakeholder management skills – Including the ability to engage with both technical and non-technical stakeholders of varying seniority, tailoring messages appropriately and understanding escalation routes
  • Commercial acumen, e.g. ability to shape and land new work into compelling client offerings


Because you are curious, because you want to know what is going on inside engaging projects with some of the largest banks in the world and because you want to work on projects that transform the financial services industry.


  • A work culture focused on innovation and creating lasting value for our clients and employees
  • Ongoing learning opportunities to help you acquire new skills or deepen existing expertise
  • A flat, non-hierarchical structure that will enable you to work with senior partners and directly with clients
  • A diverse, inclusive, meritocratic culture