Credit Risk & Credit Decisioning Consultants – 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 and practitioners who are highly-skilled and experienced in credit risk and credit decisioning, across design, build, test and implementation. Key responsibilities of the role include:

  • Deep understanding of credit risk; engines, business models and risk frameworks
  • Be a self-motivator, capable of leading a team of Capco and client colleagues
  • Ability to facilitate workshops and governance approvals with multiple stakeholders across a client organisation
  • Experience shaping and designing innovative commercial/risk models for the mortgages/lending industry
  • Experience in lending/mortgages product innovation (preferable)

Here’s what we expect

It is crucial that you share our appetite for new and emerging technologies, particularly in the domains of mortgages, commercial 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


  • Experience of lending and/or mortgages in either a project, programme, or operational environment
  • Experience of designing and/or advising on mortgages/lending technology implementations
  • Knowledge of credit risk-related regulatory frameworks
  • Consulting skills/expertise
    • Significant experience working within Financial Services as credit risk SME, a credit decisioning SME, or as a credit risk/decisioning consultant
    • 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.

We offer:

  • 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

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