Senior Manager, Business Banking Lending Acquisition

Application Deadline:12/03/2026Address:33 Dundas Street WestJob Family Group:Audit, Risk & ComplianceJoin 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.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. Leveraging modern decision tree platforms, machine‑learning‑enabled models, and optimization tools, the Senior Manager ensures lending decisions across digital, branch, and advisor‑led channels are fair, efficient, consistent, and aligned with Business Banking's risk appetite and growth ambitions.Key Responsibilities
Acquisition Strategy Design & Optimization
Design, 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 Channels
Support 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 Intelligence
Act as a designated model user, incorporating risk models, scores, behavioural 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 & Ideation
Identify 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 Testing
Design 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 Partnership
Collaborate 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 & Insights
Monitor 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 Alignment
Ensure 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 & Influence
Act 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 & Experience
Extensive experience in Business Banking lending, with a focus on acquisition, adjudication, and/or credit‑strategy design.Advanced understanding of business credit risk.
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