Senior Consulting Manager - Mortgages

• Extensive relevant experience in consulting within financial services and the realization of complex transformations, with demonstrable experience in leading programmes with multiple workstreams, relationships with senior clients, and consulting teams.

• Deep functional knowledge of mortgages, including products, customer journeys, operating models, economic aspects, controls, and changing regulations.

• Demonstrable ability to perform end-to-end IT business analysis with a technology-agnostic approach, including problem definition, stakeholder analysis, requirements gathering, process modeling, user stories, acceptance criteria, traceability, test support, and organizational readiness.

• Strong stakeholder management within business, operations, risk, compliance, finance, data, architecture, engineering, and vendors, combined with structured problem-solving, workshop facilitation, and storytelling for executives.

• Fluent command of both Dutch and English, oral and written, plus a relevant bachelor's or master's degree or equivalent work experience.

• Experience with Dutch or Benelux financial services organizations and knowledge of the Dutch supervisory landscape and relevant EU regulation.

• The ability to work effectively in a Dutch, consensus-oriented environment with transparent governance and pragmatic execution, and a willingness to work in hybrid international teams and travel to client locations.

• Insight into modern BFS technology landscapes, including core platforms, workflow, integration, cloud, data, analytics, automation, and digital channels.

• A client-focused, credible, and analytical approach that simplifies complexity, is constructively critical, result-oriented, entrepreneurial, and collaborative.

• Commitment to the development of the consulting practice through capability development, coaching, propositions, accelerators, case studies, market views, and thought leadership.

As a Senior Consulting Manager, Mortgages, you will make an impact by leading complex, multi-workstream transformations and shaping client agendas across the Benelux region, combining deep mortgages domain expertise with commercial, delivery and people leadership in a technology-agnostic environment. You will be a valued member of the Banking & Financial Services (BFS) Consulting team and work collaboratively with our ecosystem of clients, alliances, start-ups and design agencies, and clients.

• Lead programmes or multiple workstreams and take responsibility for outcomes, commercial aspects, and governance. Shape roadmaps, operating models, investment cases, and decision-making at the executive level.

• Build trusted relationships at a senior level, lead multidisciplinary international teams, identify opportunities, lead proposal processes, and strengthen market propositions.

• Advise clients on residential mortgages, buy-to-let, refinancing, interest-only mortgages, and annuity products. Assess and redesign processes for advice, affordability, valuation, acceptance, completion, servicing, arrears, and redemption.

• Translate objectives into requirements for processes, data, controls, and technology within mortgage lending and servicing, CRM, workflow, document management, decision engines, APIs, and digital channels. Define the supporting data requirements and controls.

• Apply the Dutch and EU context, including Dutch mortgage practices, duty of care, responsible lending, and conduct risk. Facilitate factual decision-making that is practical, verifiable, and directly implementable.

Cognizant Consulting is more than just the consulting practice of Cognizant. We are a global community of over 5,000 experts helping clients reshape their organizations. By combining our deep industry knowledge with technological advice, we create innovative business solutions for Fortune 500 companies. Now we are looking for our next colleague to shape the future of business together with us. Is that you?

As Senior Consulting Manager Mortgages, you make an impact by leading complex transformations with multiple workstreams and shaping client agendas in the Benelux. You combine deep mortgage expertise with commercial leadership, delivery leadership, and people leadership in a technology-agnostic environment. You will become a valued member of the Consulting team for Banking & Financial Services (BFS) and work together with our ecosystem of clients, partners, start-ups, and design agencies.

At Cognizant, we strive to offer flexibility wherever possible. Based on the business requirements of this role, this is a hybrid role in which you will work two to three days per week on-site at a client or at the Cognizant office in Amsterdam. Regardless of your work arrangement, we support a healthy work-life balance with our various wellbeing programs.

The working arrangements for this role are correct as of the publication date. These may change based on the project you work on and the requirements of the organization and the client. We always communicate clearly about the expectations for the role.

We love to meet people who share our mission and can make an impact in different ways. Do not hesitate to apply, even if you only meet the stated minimum requirements. Think about your transferable experience and unique skills that set you apart and allow you to add something new and valuable to this role.

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 our deep industry and technology advisory capability, we create innovative business solutions for Fortune 500 clients. And now, we're looking for our next colleague who'll join us in shaping the future of business. Could it be you?

Lead programmes or multiple workstreams with accountability for outcomes, commercials and governance, and shape roadmaps, operating models, investment cases and executive decisions.

Build trusted senior relationships, lead multidisciplinary global teams, originate opportunities, lead proposals and strengthen market propositions.

• Advise clients across residential mortgages, buy-to-let, refinancing, interest-only and annuity products, and assess and redesign processes covering advice, affordability, valuation, acceptance, completion, servicing, arrears and redemption.

• Translate objectives into process, data, control and technology requirements across mortgage origination and servicing, CRM, workflow, documents, decision engines, APIs and digital channels, and define the supporting data requirements and controls.

• Apply Netherlands and EU context, including Dutch mortgage practices, customer duty of care, responsible lending and conduct risk, facilitating fact-based decisions that are practical, auditable and implementation-ready.

At Cognizant, we strive to provide flexibility wherever possible. Based on this role's business requirements, this is a hybrid position requiring 2-3 days a week in a client or Cognizant office in Amsterdam, Netherlands. Regardless of your working arrangement, we are here to support a healthy work-life balance through our various wellbeing programs.

The working arrangements for this role are accurate as of the date of posting. This may change based on the project you're engaged in, as well as business and client requirements. Rest assured; we will always be clear about role expectations.

• Extensive relevant experience in financial-services consulting and complex transformation delivery, with a demonstrated track record of leading multi-workstream programmes, senior client relationships and consulting teams.

Deep functional knowledge of mortgages, including products, customer journeys, operating models, economics, controls and regulatory drivers.

• Proven ability to perform end-to-end IT business analysis, including problem framing, stakeholder analysis, requirements elicitation, process modelling, user stories, acceptance criteria, traceability, testing support and business readiness, using a technology-agnostic approach.

• Strong stakeholder management across business, operations, risk, compliance, finance, data, architecture, engineering and vendors, combined with structured problem solving, workshop facilitation and executive storytelling.

• Fluency in both Dutch and English, written and spoken, is mandatory, together with a bachelor or master degree in business, finance, economics, technology or a related discipline, or equivalent professional experience.

Experience with Dutch or Benelux financial-services organisations and knowledge of the Dutch supervisory landscape and relevant EU regulation for the subdomain.

• Ability to work effectively in a Dutch consensus-oriented environment through transparent governance and pragmatic delivery, and comfort in hybrid international teams travelling to Netherlands and Benelux client locations.

Understanding of modern BFS technology landscapes, including core platforms, workflow, integration, cloud, data, analytics, automation and digital channels.

A client-focused, credible and analytical approach that simplifies complexity, challenges constructively and is outcome-oriented, entrepreneurial and collaborative.

A commitment to developing the practice through capability building, coaching, propositions, accelerators, case studies, market points of view and thought leadership.

We're excited to meet people who share our mission and can make an impact in a variety of ways. Don't hesitate to apply, even if you only meet the minimum requirements listed. Think about your transferable experiences and unique skills that make you stand out as someone who can bring new and exciting things to this role.