Audit, Risk & Compliance 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. Director, Unsecured Acquisition Strategies The Director, Unsecured Acquisition Strategies leads the design, development, and execution of advanced credit acquisition across the full suite of Personal Banking lending products.

This role is accountable for driving high‑quality credit growth, elevating client experience, and strengthening portfolio resilience through next generation decisioning, adjudication excellence, and data‑driven strategy design. Leveraging state‑of‑the‑art decision‑tree technology, machine‑learning enabled models, and optimization platforms, the Director shapes how lending decisions are made across multiple Banking channels, including digital, branch and relationship management. As a designated model user, the Director provides critical direction on the use of risk models, scores, and analytical signals that differentiate business credit risk.

They partner closely with model development, credit adjudication, and channel leadership to ensure strategies are effective, well‑governed, and aligned to Personal Banking’s risk appetite and growth objectives.

Strategy

Design & Optimization Build and optimize end‑to‑end unsecured lending acquisition strategies using advanced decision‑tree and optimization platforms. Align interventions to growth, profitability,



risk appetite, and client experience objectives.

Adjudication Leadership Across Channels

Lead the design and calibration of adjudication strategies deployed across all Banking channels, including digital decisioning, branch and advisor‑led lending, centralized underwriting, and specialized credit teams.

Model

Use & Credit Intelligence Serve as a primary model user, guiding how models, scores, and analytical signals are interpreted and incorporated into acquisition and account management strategies. Partner with model developers to integrate new and enhanced risk tools into strategy logic, ensuring proper calibration and governance.

Analytical

Innovation & Ideation Identify and champion new analytical tools, behavioural scores, challenger models, and alternative data sources to improve predictive accuracy and decision quality. Champion–Challenger Framework Leadership Lead structured experimentation to evaluate, iterate, and scale new acquisition treatments, adjudication pathways, and account management strategies. Drive continuous improvement through evidence‑based strategy refinement.

Lifecycle Strategy Ownership

Own strategy design for credit limits, exposure optimization, early‑warning treatments and portfolio‑level risk mitigation. Partner with Personal Banking Acquisition, Collections, and Product teams to ensure aligned actions across the customer lifecycle. Ensure technical feasibility, model governance alignment, and operational integrity across systems and platforms.

Portfolio

Monitoring & Insights Deliver deep, data‑driven insights on portfolio performance, channel trends, client behaviour, and emerging risks. Recommend proactive adjustments to maintain outcomes within risk appetite. Governance, Policy & Regulatory Alignment Ensure all strategies comply with credit policy,



regulatory expectations, and model governance standards.

Cross‑Functional Influence & Leadership Act as a strategic advisor to senior Personal Banking and enterprise leaders. Influence decisions related to credit policy, product design, client experience, and risk appetite across business units. Extensive experience in unsecured lending, including acquisition, adjudication, and/or lifecycle account management strategy.

Advanced understanding of consumer and/or credit risk modelling, business financial analysis, and model‑enabled decisioning. Proficiency with decision engines, decision‑tree and optimization software, and analytical platforms (e.g., Proven ability to lead large, cross‑functional initiatives and influence senior stakeholders. Deep familiarity with credit policy, regulatory frameworks, and model governance.

Demonstrated commitment to innovation, testing culture, and continuous improvement. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. BMO 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.

Health insurance Accident and life insurance Retirement savings plans It calls on us to create lasting, positive change for our customers, our communities and our people. We strive to help you make an impact from day one – for yourself and our customers. 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 skillset. Accommodations are available on request for candidates taking part in all aspects of the selection process.

BMO is a leading bank driven by a single purpose: to Boldly Grow the Good in business and life. Everywhere we do business, we’re focused on building, investing and transforming how we work to drive performance and continue growing the positive. #

📌 Director, Unsecured Acquisition Strategies (Toronto)
🏢 Bank of Montreal
📍 Toronto