Job Title

Location: London, UKYou could be just the right applicant for this job Read all associated information and make sure to apply.Work Mode: HybridLevel: Associate DirectorDomain: Banking & Finance Retail & NeoBanking About the Role As a Consulting Principal in our Banking & Financial Services (BFS) Consulting practice, you will drive strategic advisory engagements and shape highimpact transformation programmes across the UKs retail and neobanking landscape. You will blend deep industry expertise with strong consulting acumen to help clients reimagine customer experiences, modernize core banking propositions, and adopt nextgeneration technologiesincluding agentic AI and open finance capabilities.You will be a senior leader within the practice, contributing to our gotomarket strategy, cultivating longterm executive relationships, and mentoring the next generation of consulting talent. In This Role, You Will: Lead strategic advisory and delivery engagements across customer proposition design, customer journey blueprints, new product launches, and AI-enabled innovation in retail and neobanks. Assess regulatory, innovation and policy developments, including open finance, accessibility, financial crime and fraud evolution, and Consumer Dutytranslating these into actionable transformation themes. Shape solution roadmaps and partner with cross-functional stakeholders to convert emerging technologies into practical, differentiated client propositions. Lead or contribute to RFP/RFI/RFX cycles, solution shaping and proposal development for banking transformation and innovation programmes. Collaborate with technology, cloud, regtech, and platform partners to build integrated value propositions for retail banking clients. Author high-quality thought leadership, including whitepapers, viewpoints, case studies, and regulatory and innovation perspectives. Mentor and develop Managers and Consultants, leading capability uplift sessions across the practice. Represent Cognizant at industry forums, client workshops, and partner events as a recognised subjectmatter expert. What You Must Have to Be Considered 1015 years experience in consulting or direct industry roles across retail or neobanking, with a focus on business and technology transformation. Demonstrated experience delivering customer experience, cost optimisation, technology modernisation, compliance uplift, and agile transformation engagements. Deep understanding of the UK retail banking ecosystem including competitive landscape, customer behaviours, and regulatory environment. Proven ability to create and present frameworks, strategy recommendations, and thought leadership to senior stakeholders. Ability to simplify complex concepts and communicate effectively with both executive and technical audiences. Strong working knowledge of global regulatory developments, compliance themes, and banking standards. These Will Help You Succeed Passion for shaping the future of retail and digital banking. Strong commercial acumen and consultative problemsolving skills. Ability to work in a fastpaced, collaborative consulting environment. A proactive mindset with a commitment to continuous learning and innovation. xjdpvnf Work Model This is a Hybrid role, requiring attendance at client sites or our London office as aligned to project or business requirements. Apply By 15 March, 2026