Research & Advisory
San Francisco, United States


With a multi-disciplinary background in economics, finance, technology and marketing, Craig leverages his banking industry experience to advise and consult on business-led technology strategy and investment for financial institutions, technology providers and technology investment firms.

Craig's coverage areas include digital lending strategy, market sizing and technology selection across the credit lifecycle for all consumer credit products. Complementary coverage areas include analytics, digital content management and core system transformation. His advisory engagements have included core lending and banking system vendor selection for financial institutions, market feasibility and go-to market assessments for technology vendors, and technology provider acquisition due diligence for FinTech investors.

Craig is a frequent speaker and moderator at industry conferences, including BAI, Mortgage Bankers Association annual and technology conferences, and AFSA. He has also written dozens of bylined articles for Mortgage Banking Magazine, Lending Strategy (UK) and American Banker.

Craig began his career in economics and finance and marketing in the mortgage industry for lenders and IT vendors, including The Federal Home Loan Bank, The PMI Group, Wells Fargo, and CoreLogic. Craig then spent 16 years as a banking industry analyst at TowerGroup and CEB prior to joining Celent.

Craig received an M.A. in applied economics from the University of San Francisco and graduated with high honors from the State University of New York at Oneonta with a B.S. in business economics. Craig also attended Schiller University in Heidelberg, where he studied international trade. Craig holds the Certified Mortgage Banker (CMB) designation from the Mortgage Bankers Association.

Latest insights

  • 6 July 2020
    Craig Focardi and Stephen Greer sit down to discuss some of the potential opportunities for community banks coming out of the COVID-19 pandemic.…
  • 22 June 2020
    June 19, 2020 Craig Focardi Amid unprecedented job loss and economic decline during a two-month period, COVID-19 has led to numerous economic st…
  • 28 May 2020
    Senior Analysts Gareth Lodge, Craig Focardi, and Alenka Grealish join host Stephen Greer to discuss the impact of COVID-19 on payments, lending,…
  • 1 May 2020
    Celent has discussed the importance of digitizing both the data-driven and document-driven aspects of the entire retail lending customer engagem…
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