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This is a hybrid role

The Manager, Credit Optimization Strategy & Analytics is accountable to drive the development and ongoing optimization of Credit Card & Line of Credit (LOC) Limit Management & Pricing Strategies. This individual drives business analysis and strategies to generate revenue and improve client experience for the Credit Cards & LOC businesses and  works collaboratively with partners across Personal and Commercial Banking, Credit Risk, Technology & Operations and the broader Analytics Centre of Excellence team.

The incumbent is responsible for developing comprehensive and integrated credit limit optimization strategies through the use of advanced analytical techniques and tools for the purpose of maximizing customer revenue within acceptable risk parameters and aligned with our customer experience vision.

What Does Your Typical Day Look Like

The Manager, Credit Optimization Strategy & Analytics typically spends about half their time doing independent analytical work, with support from a best-in-class analytics Centre of Excellence team, and the remaining time communicating with business/risk partners to formulate business strategies, and collaborating with campaign partners to optimize campaign modelling, delivery and measurement.

Key Accountabilities

Strategy Insights and Planning

• Develop credit limit & pricing strategies to drive revenue and customer satisfaction to deliver business results.
• Develop business cases that drive incremental revenue and minimize risk and obtain buy-in and support from business partners as required.
• Develop annual plans and monitor existing strategies to ensure that the estimated benefits are being realized.
• Evolve from Product focused to Customer focused to ensure that overall customer experience is delivered.
• Leverage market and industry best practices to proactively identify new opportunities to drive revenue and customer experience.

Data, Analytics and Insights

• Extract, manipulate and analyze data from a variety of sources to formulate insightful conclusions, provide strategic recommendations, and inform management actions
• Provide consultation to business partners to identify opportunities to maximize net revenue and new credit optimization opportunities through analytical insights
• Collaborate with business partners to monitor the external environment to ensure limit strategies remain relevant
• Engage and manage relationships and projects with external partners, where applicable
• Develop and implement thorough quality assurance processes and procedures to ensure strategies implemented are successfully delivered to customers without error.
• Understand Personal and Commercial retail issues from a variety of perspectives: the business reality and needs, the technical systems environment and the optimum application of data mining techniques to solve these issues.

Influencing and Relationship Management

• Partner effectively across all business functions including: Technology & Operations, Channels, Credit Cards, Risk, etc. in order to ensure ongoing alignment of priorities
• Lead communication effectively on complex concepts and results to a broad group of the Banks Financial Group stakeholders who are not familiar with detailed data mining methodology.

Customer Experience

• Proactively identify opportunities in the data to drive exceptional client experiences and surface areas which detract from the overall experience with recommendations to solve
• Employ a customer-first mindset in the establishment of all new data and analytics processes ensuring a great customer experience

Risk Management

• Ensure strategies and programs meet governance and risk policies and identifying opportunities and solutions for continuous improvements
• Perform required regulatory & risk oversight and governance for your business group/function; identify, manage and mitigate current and emerging risks; support the development of a risk management mindset in all employees

Authorities, Scope & Impact

Approval - Authority to approve procedures and standards within the unit.

Information Access - Authority to use and access confidential information related to employee information, customer information,

Product and financial information.

• Direct impact / accountability to develop credit limit management strategies.

Cross Functional Relationships

This job requires the incumbent to interact with the following groups and/or processes in BMO and relevant external stakeholders:

• Line of Business Leaders and Leadership Teams;
• Analytics Centre of Excellence and all associated teams within
• Risk Management
• Technology and Operations
• Canadian Personal & Business Banking Product groups
• Operational Risk and Compliance

Knowledge & Skills

• The successful candidate will hold a university degree in an analytical discipline such as Statistics, Mathematics, Economics, Operations Research or Engineering, with experience in database marketing analytics, preferably in credit cards, retail and commercial banking.
• A demonstrated passion for bringing advanced analytics to inform marketing decisions through past results driven experience.
• Expert knowledge of SAS, SQL or equivalent and familiarity working in a FICO environment as well as analytical research and experience working with large datasets.
• Skilled Knowledge: Analytical Thinking; Data Mining; Data Modeling; Problem Solving.
• Strong communication, interpersonal, and team building skills.
• Ability to clearly communicate results of analysis and models to both sophisticated technical experts and to diverse business partners.
• Flexibility and resourcefulness to interface and collaborate with internal and external groups.
• Technical experience working in analytical software, and business software (PowerBI, Excel, PowerPoint, Word)
• Python skill is an asset
• Machine learning experience is an asset

This role requires the ability to work well in an extremely fast paced and constantly changing environment with competing priorities.

Salaire :

Type de rémunération :

Ce qui précède représente la fourchette et le type de rémunération de BMO Groupe financier.

Les salaires varieront en fonction de facteurs comme l’emplacement, les compétences, l’expérience, les études et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement. Pour les rôles à commission, le salaire susmentionné représente la cible de BMO Groupe financier pour la première année au poste.

La rémunération totale offerte par BMO variera selon le type de rémunération associé au poste et peut comprendre des primes de rendement, des primes discrétionnaires ainsi que d’autres avantages et récompenses. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

À propos de nous

À BMO, nous sommes animés par une raison d’être commune : Avoir le cran de faire une différence dans la vie, comme en affaires. Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance économique partout dans le monde.

En tant que membre de l'équipe de BMO, vous êtes valorisé, respecté et entendu, et vous avez plus de moyens pour progresser et obtenir des résultats. Nous nous efforçons de vous aider à obtenir des résultats dès le premier jour, pour vous-même et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

Pour en savoir plus, visitez-nous à l'adresse https://jobs.bmo.com/ca/fr.

BMO s'engage à offrir un milieu de travail inclusif, équitable et accessible. Nous apprenons de nos différences et tirons notre force des gens et de leurs différents points de vue. Des mesures d’adaptation sont disponibles sur demande pour les candidats qui participent à tous les aspects du processus de sélection. Pour demander des mesures d’adaptation, veuillez communiquer avec votre recruteur.

Remarque aux recruteurs : BMO n’accepte pas les curriculum vitæ non sollicités provenant de toute source autre que le candidat directement. Tout curriculum vitæ non sollicité envoyé à BMO, directement ou indirectement, sera considéré comme la propriété de BMO. BMO ne paiera aucuns frais pour les placements découlant de la réception d’un curriculum vitæ non sollicité. Une agence de recrutement doit d’abord détenir une entente de service écrite valide et dûment signée avant d’envoyer des curriculum vitæ.