OverviewJoin 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 (PBB) priorities.Key ResponsibilitiesDesign, implement, and optimize end‑to‑end Business Banking lending acquisition strategies using advanced decision tree, segmentation, and optimization platforms.Align interventions to growth, profitability, credit‑risk appetite, and client‑experience objectives.Refine credit pathways and decision logic to ensure scalable, transparent, and consistent outcomes across all acquisition channels.Adjudication Strategy Leadership Across ChannelsSupport the design and calibration of adjudication strategies across digital, branch/advisor, centralized underwriting, and specialized credit teams.Ensure adjudication logic balances speed, quality, and risk integrity while accommodating the needs of diverse Business Banking segments and products.Maintain alignment across channels while enabling appropriate tiering, routing, and exceptions frameworks.Model Use & Credit IntelligenceAct as a designated model user, incorporating risk models, scores, behavioural indicators, and analytical signals into acquisition strategy logic.Partner with model developers to integrate current or enhanced risk tools, ensuring appropriate calibration, interpretation, and governance.Analytical Innovation & IdeationIdentify opportunities to introduce new analytical tools, segmentation techniques, challenger models, or alternative data sources to improve predictive power and decision quality.Lead ideation of new acquisition pathways that unlock lift in approval quality, booking yield,



or conversion efficiency.Champion–Challenger Strategy TestingDesign and execute structured experimentation to evaluate new acquisition treatments, adjudication pathways, automated decisioning rules, and credit‑policy variations.Use evidence‑based insights to iterate and scale successful strategies.Technology & Execution PartnershipCollaborate with Technology, Analytics, Underwriting, and Operations to translate strategy logic into deployable, automated decision rules.Ensure technical feasibility, model‑governance alignment, operational integrity, and strong change‑management discipline.Acquisition Funnel Monitoring & InsightsMonitor and analyze acquisition funnel performance including approval rates, booking quality, decline/refer patterns, product mix shifts, and competitive dynamics.Deliver insights on emerging trends, client behaviour, and early‑life risk performance to inform proactive strategy refinement.Governance, Policy & Regulatory AlignmentEnsure all acquisition strategies comply with credit policy, regulatory expectations, and model‑governance standards.Lead or contribute to documentation, monitoring, validation, and oversight activities supporting credit strategy governance.Cross‑Functional Leadership & InfluenceAct as a strategic advisor to partners across Business Banking.Influence decisions related to credit policy, product design, channel strategy, adjudication frameworks, and risk appetite.Qualifications & ExperienceExtensive experience in Business Banking lending, with a focus on acquisition, adjudication, and/or credit‑strategy design.Advanced understanding of business credit risk modelling, financial analysis,



and model‑enabled decisioning.Proficiency with decision engines, decision‑tree and optimization platforms, and analytical tools (e.G., FICO, SAS, ARGOSS, ML scoring systems).Strong analytical and strategic problem‑solving skills with proven ability to convert insights into executable strategies.Demonstrated ability lead cross‑functional initiatives and influence senior stakeholders.Deep knowledge of credit policy, regulatory frameworks, and model governance.Strong commitment to innovation, test‑and‑learn culture, and continuous improvement.Salary$86,000.00 - $160,000.00Pay TypeSalariedBenefits and CompensationBMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance‑based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit:https://jobs.Bmo.Com/global/en/Total-RewardsAbout UsAt 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.To find out more visit us athttps://jobs.Bmo.Com/ca/enBMO is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process.#J-18808-Ljbffr

📌 Senior Manager, Business Banking Lending Acquisition - $86,000 - $160,000 A Year (Toronto)
🏢 BMO
📍 Toronto