Senior Manager, Unsecured Lending Portfolio Management

The Senior Manager, Unsecured Lending Portfolio Management plays a critical role in designing and executing advanced credit acquisition and 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.
- Quantitative modeling & analytics (ML/statistics to decision outcomes): Apply statistical and machine learning techniques to develop models and decision frameworks; run tests, conduct statistical analysis, and interpret results to drive strategy changes.
- Create simulation/forecasting frameworks to estimate the financial and risk impacts of strategy decisions; compare realized outcomes vs. expectations and embed continuous improvement loops.
- 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 acquisition, 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

- 7+ years of experience in Credit Card/Personal Unsecured lending products and/or Unsecured Lending acquisition and account management strategy.
- Graduate degree in a quantitative discipline (Statistics, Mathematics, Actuarial Science, Engineering, Finance, Economics, or related field).
- Robust understanding of credit risk concepts and practical experience as a model user.
- Strong understanding of credit lifecycle economics, ROE drivers, and risk‑return optimization principles.
- Proven expertise in applying machine learning and data science techniques to develop and optimize credit risk strategies, ensuring statistical robustness, stability, and alignment with business objectives.
- Proficiency with decision engines, decision tree software, and analytical platforms (e.g., Python, FICO, SAS, SQL, ML scoring systems); ability to translate complex analysis for senior audiences.
- 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.
- Strong communication, influencing, and stakeholder management skills; able to operate autonomously in a fast‑paced environment.

Salary

$86,000.00 - $160,000.00

Pay Type

Salaried

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📌 Senior Manager, Unsecured Lending Portfolio Management (Toronto)
🏢 BMO
📍 Toronto