Senior Manager, Unsecured Lending Portfolio Management

Responsibilities

• Design and implement customer-level account management strategies using decision tree and optimization platforms to drive growth and profitability.
• Apply statistical and machine learning techniques to develop models, conduct tests, and interpret results to drive strategy changes.
• Create simulation and forecasting frameworks to estimate the financial and risk impacts of strategy decisions.
• Execute structured Champion-Challenger testing frameworks to evaluate and refine segmentation schemes and decision pathways.
• 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

• 7+ years of experience in Credit Card or Personal Unsecured lending acquisition and account management strategy.
• Graduate degree in a quantitative discipline such as Statistics, Mathematics, Actuarial Science, Engineering, Finance, or Economics.
• Proven expertise in applying machine learning and data science techniques to optimize credit risk strategies.
• Proficiency with analytical platforms and tools including Python, FICO, SAS, or SQL.
• Strong understanding of credit risk concepts, credit lifecycle economics, and risk-return optimization.
• Demonstrated ability to translate complex analytical insights into executable business strategies.

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.