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Join a pioneering team shaping the future of Canadian Retail Credit Strategies. We’re building next‑generation, end‑to‑end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB;) priorities. Our approach combines cutting‑edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer‑centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best‑in‑class decisioning applications, all within a high‑performance, customer‑focused environment. If you’re passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB;, this is the team for you.

Senior Manager, Lending Portfolio Management

The Senior Manager, Lending Portfolio Management plays a critical role in designing and executing advanced credit account management strategies across Credit Card and Unsecured Lending portfolios. This position combines strategic thinking with hands‑on analytical execution to deliver solutions that drive profitable growth, enhance customer experience, and maintain portfolio resilience within the organization’s risk appetite. Working closely with cross‑functional partners in Product, Risk, Technology, Analytics, and Operations, the Senior Manager develops scalable, automated strategies leveraging decision tree technologies, machine‑learning‑enabled models, and optimization tools. This role ensures strategies evolve with customer behavior and market dynamics while adhering to governance and regulatory standards.

Key Responsibilities

- Strategy Development & Execution: Design and implement customer‑level account management strategies using decision tree and optimization platforms, aligning actions to growth, profitability,



and risk objectives.
- Model Application & Interpretation: Act as a key model user, applying models and scores within strategy logic, ensuring proper interpretation and segmentation to differentiate risk across the portfolio.
- Analytical Insights & Innovation: Identify opportunities for new segmentation approaches, behavioral scores, and analytical enhancements to improve predictive power and strategy performance.
- Champion‑Challenger Testing: Execute structured testing frameworks to evaluate and refine treatments, segmentation schemes, and decision pathways.
- Lifecycle Strategy Support: Contribute to strategy design for credit limit management, exposure optimization, early warning treatments, and performance‑based interventions, ensuring alignment across the customer lifecycle.
- Technology & Deployment Partnership: Collaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules, ensuring technical feasibility and operational integrity.
- Portfolio Monitoring & Reporting: Deliver data‑driven insights on portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.
- Governance & Compliance: Ensure strategies comply with credit policy, regulatory requirements, and model governance standards, including documentation and monitoring.

Qualifications & Experience

- 5 to 7+ years of experience in Credit Card and/or Unsecured Lending account management or lifecycle strategy.
- Solid understanding of credit risk concepts and practical experience as a model user.




- Proficiency with decision engines, decision tree software, and analytical platforms (e.g., FICO, SAS, ML scoring systems).
- Demonstrated ability to translate analytical insights into executable strategies.
- Experience managing cross‑functional projects and influencing stakeholders.
- Familiarity with credit policy, regulatory frameworks, and model governance.
- Commitment to innovation, experimentation, and continuous improvement.

Salary

$86,000.00 - $160,000.00 (Salaried)

Benefits

BMO Financial Group’s total compensation package may include performance‑based incentives, discretionary bonuses, and other perks and rewards. We also offer health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. For more details of our benefits, please visit

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in‑depth training and coaching, to manager support and network‑building opportunities, we’ll help you gain valuable experience, and broaden your skill‑set.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

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Apply on Kit Job: kitjob.ca/job/2fs7h3

📌 Senior Manager, Lending Portfolio Management – Acquisition Strategies (Toronto)
🏢 BMO
📍 Toronto