Director, Business Banking Lending Acquisition & Account Management

Responsibilities

• Lead the design and execution of advanced credit acquisition and account management strategies for Business Banking lending products
• Build and optimize end-to-end lending strategies using decision-tree and optimization platforms to drive growth and profitability
• Design and calibrate adjudication strategies across digital, branch, and relationship management channels
• Serve as a primary model user, guiding the interpretation and integration of risk models, scores, and analytical signals into strategy logic
• Lead structured experimentation using a champion-challenger framework to evaluate and scale new acquisition and account management treatments
• Own lifecycle strategy design, including credit limits, exposure optimization, and early-warning interventions
• Partner with Technology, Analytics, and Underwriting teams to translate complex strategy logic into deployable decision rules
• Monitor portfolio performance and provide data-driven insights to recommend proactive adjustments to risk appetite

Requirements

• Extensive experience in Business Banking lending, including acquisition, adjudication, or lifecycle account management
• Advanced understanding of credit risk modelling, business financial analysis, and model-enabled decisioning
• Proficiency with decision engines and analytical platforms such as FICO, SAS, or ARGOSS
• Strong analytical, strategic, and problem-solving skills with the ability to translate data into executable strategies
• Proven ability to lead large, cross-functional initiatives and influence senior stakeholders
• Deep familiarity with credit policy, regulatory frameworks, and model governance

About the Company

BMO is a leading North American bank driven by a single purpose: to Boldly Grow the Good in business and life. With more than 12 million customers, we provide personal and commercial banking, wealth management, and investment services across Canada, the United States, and globally.