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Benjamin Köck

PartnerVienna

Helps financial institutions and digital innovators transform and grow their businesses

Benjamin is a partner in McKinsey’s Vienna office and a leader in the firm’s work on retail banking and lending across Europe. He advises banks, financial institutions, and digital pure-play companies on how to grow and transform their businesses.

Examples of Benjamin’s projects include:

  • building new financial businesses from the ground up, including a greenfield leasing player for one of Europe’s largest OEM banks and a hybrid retail bank integrating digital lending capabilities
  • supporting M&A and portfolio strategy, from buy- and sell-side due diligence to post-merger integration for retail banks, consumer finance, payments, and mobility players
  • driving large-scale efficiency and productivity programs for universal and retail banks across Europe
  • leading operational excellence and analytics transformations, including residual value management for leading auto banks and credit risk digitization powered by agentic AI
  • developing next-generation “as-a-service” business models in leasing and mobility finance, such as Trucks-as-a-Service and flexible car subscription offerings
  • shaping partnership and ecosystem strategies for consumer finance institutions, mobility players, and OEM captive banks

PUBLISHED WORK

Auto leasing: Combating declining used-car prices in Europe,” McKinsey & Company, December 2024

European mobility finance: A €25 billion growth opportunity,” McKinsey & Company, October 2023

From owner to user: Why consumers want more flexible car access models,” McKinsey & Company, June 2023

A new breed of car financing: Feature bundles and embedded services,” McKinsey & Company, May 2023

Europe's Gen Z and the future of mobility,” McKinsey & Company, April 2023

Car leasing in Europe: Managing residual value for a €12 billion opportunity,” McKinsey & Company, March 2023

Online sales and subscriptions will shape tomorrow’s car financing journey,” McKinsey & Company, March 2023

Business mobility payments: On the road to change,” McKinsey & Company, July 2022

EDUCATION

University of Edinburgh
PhD, management