Application Deadline:02/14/2026

Address:33 Dundas Street West

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 decision-making 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.

The Director, Lending & Portfolio Management Monitoring & Customer Insights is responsible for transforming data into strategic insight across the full customer credit lifecycle from acquisition and underwriting, through account management, fraud, and collections, across all Consumer and Business Banking credit products. This leader provides deep, forward‑looking intelligence and performance monitoring to senior executives, helping shape portfolio strategy, inform credit decisions, identify emerging trends, and spotlight areas requiring strategic action.

The Director will leverage modern monitoring frameworks, and strong business acumen to deliver insights that drive responsible growth, portfolio resilience, and an exceptional customer experience.

Key Responsibilities

Enterprise Portfolio Monitoring & Insight Generation

• Lead the end‑to‑end monitoring framework for all retail and business credit products, delivering clear, actionable insights to senior executive committees and business leaders.
• Surface emerging risks, behavioural trends, customer needs, and operational signals across the credit lifecycle — from acquisition quality to early‑warning indicators, fraud patterns, payment behaviours, hardship trends, and collections outcomes.
• Provide thought leadership on key portfolio topics such as risk‑adjusted growth, credit quality migration, customer resilience, fraud evolution, macroeconomic sensitivities, and product‑specific performance.

Credit Lifecycle Analytics & Decision Support

• Develop and maintain an integrated customer credit lifecycle view that connects acquisition risk profiles, account management actions, fraud trends, payment performance, and collections outcomes.
• Partner with Credit Risk, Product, Marketing, Fraud, and Collections to translate insights into strategy adjustments, treatment design, or policy changes.
• Build monitoring for new products, policy changes, and strategy deployments to ensure early feedback loops and rapid course correction.

Executive Reporting & Influence

• Own reporting for senior forums including Executive Risk Committees, Product & Credit Councils, Finance reviews, and strategic planning sessions.
• Deliver concise, executive‑ready stories that highlight what is happening, why it matters, and what actions should be considered.
• Create dashboards and intelligence packages that empower business and risk leaders with real‑time visibility into portfolio health and customer dynamics.

Advanced Analytics, Models & Tools

• Champion advanced analytics and modern data use — including behavioural scoring, predictive indicators, customer segmentation, and risk modeling insights.
• Drive development and enhancement of monitoring tools, early‑warning systems, stress indicators, and predictive frameworks.
• Ensure strong measurement, performance tracking, and back‑testing to validate insights and maintain portfolio transparency.

Governance, Risk Alignment & Controls

• Ensure monitoring and insights comply with regulatory expectations and support enterprise risk appetite.
• Strengthen early‑warning and issue‑spotting capabilities, ensuring risks or anomalies are escalated quickly with clear recommended actions.
• Partner with 2LOD on monitoring enhancements, thematic reviews, and risk reporting alignment.

Leadership, Collaboration & Talent Development

• Build and lead a high‑performing analytics and monitoring team with deep expertise in credit, data, and portfolio insights.
• Foster a culture of curiosity, strategic thinking, and storytelling with data.
• Strengthen cross‑functional collaboration with lending, fraud, operations, modelling, finance, and product teams.

Qualifications

• 10+ years of progressive experience in Credit Risk, Portfolio Management, Lending, or advanced analytics across consumer and/or business credit portfolios.
• Proven ability to translate complex data into clear, strategic insights and influence senior executives with concise, decision‑ready narratives.
• Demonstrated capability in developing monitoring frameworks, early‑warning indicators, behavioural segmentation, and performance measurement tools.
• Exceptional communication skills with a track record of presenting insights to Executive Committees and senior forums.
• Strong business acumen with the ability to connect customer behaviour, macroeconomic factors, operational signals, and portfolio outcomes.

#FutureOfRetailLending

$110,500.00 - $192,500.00

Salaried

The 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 benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. 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.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.