Job Title

Overview Date limite pour prsenter sa candidature : 02/14/2026 Adresse : 33 Dundas Street West Groupe de famille d''''emploi : Audit, gestion des risques et conformit Join a pioneering team shaping the future of Canadian Retail Credit Strategies. Were building next-generation, end-to-end credit solutions that span the entire lifecyclefrom acquisition and account management to collectionsanchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (PBB) 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 youre passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian PBB, 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 Salaire : $110,500.00 - $192,500.00 Type de rmunration : Salaire Ce qui prcde reprsente la fourchette et le type de rmunration de BMO Groupe financier. Les salaires varieront en fonction de facteurs comme lemplacement, les comptences, lexprience, les tudes et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes temps partiel seront calculs au prorata du nombre dheures travailles rgulirement. Pour les rles commission, le salaire susmentionn reprsente la cible de BMO Groupe financier pour la premire anne au poste. La rmunration totale offerte par BMO variera selon le type de rmunration associ au poste et peut comprendre des primes de rendement, des primes discrtionnaires ainsi que dautres avantages et rcompenses. BMO offre galement une assurance sant, le remboursement des frais de scolarit, une assurance accident et une assurance vie, ainsi que des rgimes dpargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale propos de nous BMO, nous sommes anims par une raison dtre commune : Avoir le cran de faire une diffrence dans la vie, comme en affaires. Cette raison dtre nous invite entraner des changements positifs et durables pour nos clients, nos collectivits et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance conomique partout dans le monde. En tant que membre de l''''quipe de BMO, vous tes valoris, respect et entendu, et vous avez plus de moyens pour progresser et obtenir des rsultats. Nous nous efforons de vous aider obtenir des rsultats ds le premier jour, pour vous-mme et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles tapes, car vous aidez nos clients franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d''''occasions de rseautage, nous vous aiderons acqurir une exprience enrichissante et largir votre groupe de comptences. Pour en savoir plus, visitez-nous l''''adresse https://jobs.bmo.com/ca/fr. BMO s''''engage offrir un milieu de travail inclusif, quitable et accessible. Nous apprenons de nos diffrences et tirons notre force des gens et de leurs diffrents points de vue. Des mesures dadaptation sont disponibles sur demande pour les candidats qui participent tous les aspects du processus de slection. Pour demander des mesures dadaptation, veuillez communiquer avec votre recruteur. Remarque aux recruteurs : BMO naccepte pas les curriculum vit non sollicits provenant de toute source autre que le candidat directement. Tout curriculum vit non sollicit envoy BMO, directement ou indirectement, sera considr comme la proprit de BMO. BMO ne paiera aucuns frais pour les placements dcoulant de la rception dun curriculum vit non sollicit. Une agence de recrutement doit dabord dtenir une entente de service crite valide et dment signe avant denvoyer des curriculum vit. #J-18808-Ljbffr