The Senior Manager, Business Banking Lending Acquisition plays a pivotal role in designing, developing, and executing advanced credit acquisition strategies across the full suite of Business Banking lending products. This role drives high-quality credit growth, elevates client experience, and supports portfolio resilience through next-generation decisioning, adjudication excellence, and data-driven strategy design. Acting as both a strategic thinker and hands‑on analytical practitioner, the Senior Manager partners closely with Product, Risk, Credit Adjudication, Technology, Analytics, Distribution, and Operations to deliver scalable, automated acquisition strategies.Key ResponsibilitiesAcquisition Strategy Design & OptimizationDesign, 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, behavioral indicators, and analytical signals into acquisition strategy logic. Partner with model developers to integrate new 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 current acquisition pathways that unlock lift in approval quality, booking yield, or conversion efficiency.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 behavior, 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 to 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.CompensationSalary: $86,000.00 – $160,000.00 (depends on location, skills, experience, education, and qualifications). The above represents BMO Financial Group's pay range and type. Salaries may vary and include commission structure where applicable. Part‑time roles will be pro‑rated. Total compensation may include performance‑based incentives, discretionary bonuses, and other perks and rewards.BenefitsHealth insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.Performance‑based incentives and discretionary bonuses.EEO StatementBMO 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 (Toronto) - C$86,000 - C$160,000 A Year (Winnipeg)
🏢 BMO Financial Group
📍 Winnipeg