Senior Manager, Lending Portfolio Management - Acquisition Strategies (Toronto)

Senior Manager, Lending Portfolio Management

Build and execute advanced credit account management strategies across Credit Card and Unsecured Lending portfolios, driving profitable growth, enhancing customer experience and maintaining portfolio resilience within the organization’s risk appetite.

Key Responsibilities

• Design and implement customer‑level account management strategies using decision tree and optimization platforms, aligning actions to growth, profitability, and risk objectives.
• Act as a model user: apply models and scores within strategy logic, ensuring proper interpretation and segmentation to differentiate risk across the portfolio.
• Identify opportunities for new segmentation approaches, behavioral scores, and analytical enhancements to improve predictive power and strategy performance.
• Execute structured testing frameworks to evaluate and refine treatments, segmentation schemes, and decision pathways.
• Support lifecycle strategy design for credit limit management, exposure optimization, early‑warning treatments, and performance‑based interventions.
• Collaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules, ensuring technical feasibility and operational integrity.
• Deliver data‑driven insights on portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.
• Ensure strategies comply with credit policy, regulatory requirements, and model governance standards, including documentation and monitoring.

Qualifications and Experience

• 5–7+ years in Credit Card and/or Unsecured Lending account management or lifecycle strategy.
• Strong understanding of credit risk concepts and 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 Range

$86,000.00 – $160,000.00 (BMO Financial Group pay range; may include commission, bonus, and other compensation). Salaries vary based on location, skills, experience, education, and qualifications.

Benefits

• Health insurance, accident and life insurance, tuition reimbursement, and retirement savings plans.
• Performance‑based incentives, discretionary bonuses, and other perks and rewards.

Accommodations

Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

EEO Statement

BMO is committed to an inclusive, equitable and accessible workplace. We value diversity and encourage all qualified individuals to apply.