Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Advise UK mortgage lenders on strategic transformation and technology modernization.
- Company: Join Cognizant, a global leader in consulting and technology solutions.
- Benefits: Enjoy competitive pay, private medical insurance, and flexible working options.
- Why this job: Shape the future of banking with innovative solutions and impactful projects.
- Qualifications: 10-15 years in mortgage and lending, with strong strategic transformation experience.
- Other info: Collaborative culture with opportunities for mentorship and professional growth.
The predicted salary is between 36000 - 60000 £ per year.
About Cognizant Consulting
Cognizant Consulting is more than Cognizant's consulting practice—we're a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending deep industry expertise with technology-forward advisory capabilities, we create innovative business solutions for leading global organizations.
About the role
As a Senior Mortgage Specialist, you will make an impact by advising UK mortgage lenders on strategic transformation, regulatory change, and technology modernization. You will be a valued member of our Banking & Financial Services Consulting team and will work collaboratively with industry leaders, internal partners, and client stakeholders to deliver high-impact business and technology outcomes.
Responsibilities
- Lead end-to-end mortgage and lending advisory and delivery engagements, including target operating model design, mortgage platform transformation, customer journey optimization, and AI-enabled process modernization.
- Assess and interpret key UK regulatory, innovation, and policy developments - including FCA Mortgage Rule Review, the UK Mortgage Guarantee Scheme, and Consumer Duty - and guide clients on readiness and impact.
- Shape go-to-market propositions, translating emerging technologies and industry trends into actionable solutions and roadmaps for mortgage lenders.
- Support business development efforts, including RFP/RFI/RFX responses, solution shaping, and proposal development across mortgage and broader retail banking transformation programs.
- Partner with technology ecosystem providers (e.g., cloud, fintech, RegTech, and platform vendors) to develop integrated value propositions.
- Create high-quality thought leadership, such as white papers, case studies, and viewpoints on mortgage innovation, regulatory change, and technology trends.
- Mentor and guide junior consultants, contributing to practice capability building and internal training.
- Represent Cognizant as a subject-matter expert in industry forums and client discussions.
Work model
We believe hybrid work is the way forward as we strive to provide flexibility wherever possible. Based on this role's business requirements, this is a hybrid position requiring 3 days a week onsite in our London office or at a client location.
What you must have to be considered
- 10-15 years of experience in mortgage and lending within the UK retail banking sector, either in consulting or direct industry roles.
- Proven experience delivering strategic transformation engagements focused on cost optimization, technology modernization, compliance uplift, or operational resilience.
- Deep understanding of the UK retail banking and mortgage lending landscape, including regulatory, competitive, and technology drivers.
- Demonstrated ability to produce and present thought leadership, frameworks, and market insights for senior stakeholders.
- Strong ability to simplify complex topics and communicate effectively with both technical and executive audiences.
- Knowledge of key UK regulatory requirements and global compliance trends relevant to mortgage operations.
These will help you succeed
- Experience working with AI and digital automation technologies in mortgage processes.
- Familiarity with cloud-based lending platforms, decision engines, and workflow modernization tools.
- Strong network across UK banks, building societies, and mortgage ecosystem partners.
- Prior experience mentoring teams or contributing to capability development.
- Passion for innovation, problem-solving, and continuous learning in the mortgage domain.
Benefits
Cognizant offers a competitive benefits package designed to support your wellbeing and professional growth. Benefits typically include:
- Private medical insurance
- Pension scheme
- Life assurance
- Employee assistance program
- Paid time off and flexible working programs
- Learning & development programs and certifications
- Access to Cognizant's global knowledge networks and industry communities
The Cognizant community: We are a high caliber team who appreciate and support one another. Our people uphold an energetic, collaborative and inclusive workplace where everyone can thrive.
Cognizant is a global community with more than 300,000 associates around the world. We don't just dream of a better way - we make it happen. We take care of our people, clients, company, communities and climate by doing what's right. We foster an innovative environment where you can build the career path that's right for you.
About us
Cognizant is one of the world's leading professional services companies, transforming clients' business, operating, and technology models for the digital era. Our unique industry-based, consultative approach helps clients envision, build, and run more innovative and efficient businesses. Headquartered in the U.S., Cognizant is consistently listed among the most admired companies in the world.
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.
Senior Mortgage Specialist, Consulting Principal in London employer: Cognizant Technology Solutions
Contact Detail:
Cognizant Technology Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Mortgage Specialist, Consulting Principal in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage and banking sectors. Attend industry events or webinars where you can meet potential employers and showcase your expertise.
✨Tip Number 2
Prepare for interviews by researching the company and its recent projects. Tailor your responses to highlight how your experience aligns with their needs, especially in areas like technology modernization and regulatory change.
✨Tip Number 3
Showcase your thought leadership! Bring along examples of your work, like white papers or case studies, to demonstrate your insights into the mortgage landscape and how you can add value to their team.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Senior Mortgage Specialist, Consulting Principal in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Mortgage Specialist role. Highlight your experience in mortgage and lending, especially any strategic transformation projects you've led. We want to see how your background aligns with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the mortgage sector and how your skills can help us at Cognizant. Be sure to mention specific experiences that relate to the responsibilities outlined in the job description.
Showcase Your Thought Leadership: If you've produced any thought leadership pieces, like white papers or case studies, make sure to mention them in your application. We love candidates who can simplify complex topics and communicate effectively, so this will definitely catch our eye!
Apply Through Our Website: We encourage you to apply through our website for the best chance of being noticed. It’s super easy, and you'll be able to keep track of your application status. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Cognizant Technology Solutions
✨Know Your Stuff
Make sure you brush up on the latest UK mortgage regulations and technology trends. Being able to discuss the FCA Mortgage Rule Review or the UK Mortgage Guarantee Scheme confidently will show that you're not just familiar with the industry, but that you're also proactive about staying informed.
✨Showcase Your Experience
Prepare specific examples from your 10-15 years in the mortgage sector that highlight your strategic transformation successes. Whether it's cost optimisation or technology modernisation, having concrete stories ready will help you demonstrate your expertise effectively.
✨Engage with Thought Leadership
Be ready to discuss any white papers or case studies you've authored or contributed to. This not only showcases your knowledge but also your ability to communicate complex topics clearly, which is crucial for engaging with senior stakeholders.
✨Network Like a Pro
Leverage your connections within the UK banking and mortgage ecosystem. Mentioning partnerships or collaborations with banks, fintechs, or RegTechs can illustrate your strong network and how it can benefit the company you're interviewing with.
