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Senior Consultant, Collections Servicing

00069879971

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 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?

About the role

As a Senior Consultant – Collections & Servicing (Banking & Financial Services), you will make an impact by leading the evolution of member-facing digital servicing experiences while supporting business transformation initiatives across lending, deposits, and payments domains. You will be a valued member of the Banking & Financial Services team and work collaboratively with business stakeholders, technology teams, operations, and external partners to deliver innovative digital solutions that improve member experience, operational efficiency, and business outcomes.

In this role, you will:

  • Define and execute the digital product vision and servicing roadmap, aligning capabilities to business objectives including member satisfaction, operational efficiency, risk management, and revenue growth

  • Own and optimize borrower journeys across self-service channels, including payments, statements, payoffs, hardship assistance, and other digital servicing experiences

  • Lead Agile backlog management by gathering requirements, writing user stories and acceptance criteria, prioritizing work, and partnering with development teams to deliver high-quality solutions

  • Leverage AI-driven approaches and tools to accelerate requirements gathering, optimize SDLC processes, improve delivery efficiency, and reduce UAT effort

  • Utilize analytics, member feedback, operational metrics, and industry trends to drive data-informed decisions, identify enhancement opportunities, and support digital transformation initiatives across Deposits, Loans, and Payments (ACH) domains

Work model – Onsite

At Cognizant, we strive to provide flexibility wherever possible, and we are here to support a healthy work-life balance through our various wellbeing programs. Based on this role’s business requirements, this is an onsite position requiring time in a client or Cognizant office in Vienna, Virginia.

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.

What you must have to be considered

  • Bachelor’s degree in Business, Engineering, Technology, or a related field

  • Minimum 5 years of experience in Product Management, Product Ownership, Business Analysis, or Consulting within Banking, Financial Services, or FinTech environments

  • Strong expertise in Banking and Financial Services domains, including Deposits, Loans, Loan Servicing, Collections, and Payments (ACH)

  • Experience in Consumer Loan Servicing and digital customer servicing platforms

  • Demonstrated experience defining and delivering digital product roadmaps in Agile or SAFe delivery environments

  • Strong experience gathering requirements, managing product backlogs, writing user stories, acceptance criteria, and collaborating with Agile development teams

  • Experience working with technology teams on APIs, integrations, and digital customer journeys

  • Demonstrated ability to translate customer and business needs into digital solutions that improve engagement, efficiency, and overall user satisfaction

  • Strong knowledge of AI technologies and practical applications within banking transformation initiatives

  • Proven ability to leverage AI tools and AI-driven approaches to reduce requirements gathering effort, accelerate development activities, and optimize SDLC processes

  • Experience using AI-driven methodologies to improve testing effectiveness and reduce UAT effort

  • Strong analytical and problem-solving skills with the ability to use operational metrics, customer insights, and business data to drive decisions

  • Experience leveraging analytics tools such as Adobe Analytics, Google Analytics, Tableau, or Power BI

  • Proficiency with Jira, Confluence, and Agile collaboration tools

  • Excellent communication, consulting, stakeholder management, and facilitation skills

These will help you succeed

  • Experience with Salesforce Financial Services Cloud or other Salesforce products

  • Salesforce certifications

  • SAFe Product Owner/Product Manager (PO/PM) or other Product Owner certifications

  • Experience leading UAT activities, release planning, production validation, and change management initiatives

  • Experience working directly with external vendors and technology partners

  • Familiarity with Voice of Customer/Voice of Member programs, complaint analysis, and customer experience optimization

  • Experience identifying and implementing AI-enabled automation opportunities within servicing, collections, payments, and lending operations

  • Strong understanding of digital servicing journeys, self-service platforms, and omnichannel customer experiences

  • Strong customer-centric mindset with the ability to balance business objectives, risk considerations, and customer experience goals

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.

About Cognizant: 
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.

Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.

Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.

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.

If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email [email protected] for roles based in the Americas or [email protected] for roles based in India.

Benefits that help you thrive and grow

Our benefits program is built with you in mind—so you can enjoy a fulfilling, balanced and healthy life.

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Financial wellbeing

We regularly review market data to ensure compensation reflects the value you bring. Your benefits extend beyond pay and may include retirement plans, financial education, etc.

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Physical and mental health

We empower you to prioritize your wellbeing through paid time off, flexible working where possible, healthcare plans, counselling, our Mental Health Allyship program and more. 

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Your career, your way

With 350,000+ roles at Cognizant, you’ll have opportunities explore new technologies, industries and locations—and build the skills you need to grow your career.

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Real-world impact

Think about the biggest brands you rely on. Chances are, they rely on us to help strengthen their business. Here, you’ll turn bold ideas into solutions that improve lives everywhere.

Your path to Cognizant

Here’s what you can expect from our hiring process. Please keep in mind that it may vary by role and location. Explore our FAQs to learn more.

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Step 1: Apply to the right opportunity

Find an open role that matches your skills and career goals and show us why you’re the person for the job. Don’t see the right opportunity? Consider joining our Talent Community.

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Step 2: Connect with your recruiter

If one of our recruiters sees a fit, they’ll set up a short intro call to learn more about you and how your experiences and skills match the role.

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Step 3: Show off your skills

If you and our team would like to continue the process, you’ll interview with our hiring team. Some roles may also require technical assessments and/or client interviews.

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Step 4: Decision time

Our team will then review each candidates’ potential to succeed in the role. This step may take some time because we want to find the right fit for both you and us—but you can count on us to keep you updated.

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