Application Deadline: 06/20/2026Address: 33 Dundas Street WestJob Family Group: Audit, Risk & ComplianceThe Manager, Unsecured 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 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 ResponsibilitiesStrategy Development & ExecutionDesign and implement customer‑level account management strategies using decision tree and optimization platforms, aligning actions to growth, profitability, and risk objectives.Model Application & InterpretationAct 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 & InnovationIdentify opportunities for new segmentation approaches, behavioral scores, and analytical enhancements to improve predictive power and strategy performance.Champion‑Challenger TestingExecute structured testing frameworks to evaluate and refine treatments, segmentation schemes, and decision pathways.Lifecycle Strategy SupportContribute to strategy design for credit limit management, exposure optimization, early warning treatments, and performance‑based interventions,



ensuring alignment across the customer lifecycle.Technology & Deployment PartnershipCollaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules, ensuring technical feasibility and operational integrity.Portfolio Monitoring & ReportingDeliver data‑driven insights on portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.Governance & ComplianceEnsure strategies comply with credit policy, regulatory requirements, and model governance standards, including documentation and monitoring.Qualifications & Experience5+ years of experience in Credit Card and/or Unsecured Lending account management or lifecycle strategy.Strong 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 and CompensationSalary: $69,000.00 - $129,000.00Pay Type: SalariedThe above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.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. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our advantages, please visit: https://jobs.Bmo.Com/global/en/Total-Rewards#J-18808-Ljbffr

📌 Manager, Unsecured Lending Portfolio Management (Toronto) - C$69,000 - C$129,000 A Year (Winnipeg)
🏢 BMO Financial Group
📍 Winnipeg