Managing Principal - Commercial Banking & Lending

Capco • New York, NY

4d • $212,000 - $236,000

About The Position

Capco is seeking an experienced Managing Principal to help grow its Banking & Payments practice, with a focus on Commercial Lending transformation and modernization. The role works with leading financial institutions to transform commercial banking operations, lending products, and technology platforms. It covers the lending lifecycle from loan origination and underwriting through servicing and portfolio management, helping clients streamline processes, modernize legacy systems, and improve the commercial lending experience.

This senior consulting leadership role combines commercial banking expertise, strategic transformation delivery, and business development. The Managing Principal builds trusted client relationships, identifies growth opportunities, and guides multidisciplinary teams to deliver business outcomes. The role is based in New York City or Charlotte and is a permanent position.

Requirements

• 10+ years of experience in financial services consulting, with expertise in commercial banking, lending, cash management, and transformation.
• Knowledge of the end-to-end lending lifecycle, including origination, underwriting, credit risk, servicing, and portfolio management across CRE and C&I lending.
• Experience with commercial loan origination and servicing systems, lending technology vendors, and platform modernization.
• Experience with GenAI applications in commercial banking, including credit underwriting, loan origination, portfolio monitoring, and relationship manager productivity, and ability to identify opportunities to improve efficiency and client outcomes.
• Proven experience delivering complex banking transformations, including process improvement, systems integration, and technology implementation.
• Experience managing senior client relationships, leading consulting teams, and contributing to go-to-market strategies and business development.

Nice To Haves

• 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, with advanced Excel and PowerPoint skills.
• An MBA or relevant advanced qualification.

Responsibilities

• Oversee large-scale commercial banking initiatives across commercial lending, treasury management, digital banking, and operational modernization, connecting business strategy with technology delivery.
• Help clients optimize the end-to-end lending lifecycle, including prospecting, credit assessment, underwriting, loan origination, servicing, credit monitoring, and portfolio management.
• Guide implementation and modernization of commercial loan origination and servicing platforms, improving workflows, credit decisioning, data integration, and operational efficiency.
• 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.
• Provide strategic oversight of complex transformation programs, manage delivery risks, and guide cross-functional consulting teams to deliver high-quality client outcomes.
• Contribute to the growth and direction of Capco’s Commercial Banking and Lending practice.

Benefits

• Medical, dental, and vision benefits.
• 401(k) matching contributions.
• Maternity and paternity leave, alongside dependent care benefits.
• Tuition reimbursement.
• Wellness reimbursement.
• Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
• Support for eligible commuting expenses.
• Access to Working Advantage, a discounted marketplace offering savings on products, services, and experiences.
• Continuous learning, professional development, and industry certifications.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed