Manager, Unsecured Lending Portfolio Management

Responsibilities

• Design and implement customer-level account management strategies using decision tree and optimization platforms
• Apply machine learning models and scores within strategy logic to differentiate risk across the portfolio
• Execute structured champion-challenger testing frameworks to evaluate and refine segmentation and decision pathways
• Contribute to lifecycle strategy design, including credit limit management and exposure optimization
• Collaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules
• Monitor portfolio performance and emerging trends to recommend proactive adjustments within risk appetite
• Ensure all strategies comply with credit policy, regulatory requirements, and model governance standards

Requirements

• 5+ years of experience in Credit Card and/or Unsecured Lending account management or lifecycle strategy
• Strong understanding of credit risk concepts and practical experience as a model user
• Proficiency with decision engines, decision tree software, and analytical platforms such as SAS or FICO
• Experience working with machine learning (ML) scoring systems
• Demonstrated ability to translate analytical insights into executable business strategies
• Strong project management skills with experience influencing cross-functional stakeholders

About the Company

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