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Join a pioneering team shaping the future of Canadian Retail Credit Strategies.

We’re building next-generation, end-to-end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) 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 decisioning applications, all within a high-performance, customer-focused environment.

If you’re passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you.

The Director, Unsecured Account Management Strategies leads the design, development, and execution of advanced risk mitigation strategies across the full suite of Personal Banking lending products. This role is accountable for driving high‑quality strategies mitigating risk in unsecured portfolios, elevating client experience, and strengthening portfolio resilience through next generation decisioning, customer experience, and data‑driven strategy design.

Leveraging state‑of‑the‑art decision‑tree technology, machine‑learning enabled models, and optimization platforms, the Director shapes how lending decisions are made. Acting as both a strategic leader and hands‑on practitioner, this role sets strategy across the customer lifecycle through exposure management, behavioural segmentation, early‑warning interventions, and ongoing client management.

As a designated model user, the Director provides critical direction on the use of risk models, scores, and analytical signals that differentiate business credit risk. They partner closely with model development, platform owners, and channel leadership to ensure strategies are effective, well‑governed, and aligned to Personal Banking’s risk appetite and growth objectives.

Key Responsibilities

Strategy Design & Optimization

• Build and optimize end‑to‑end unsecured lending exposure management strategies using advanced decision‑tree and optimization platforms.
• Align interventions to risk managed growth, profitability, risk appetite, and client experience objectives.
• Ensure strategies consistently support fair, efficient, and scalable lending decisions.

Model Use & Credit Intelligence

• Serve as a primary model user, guiding how models, scores, and analytical signals are interpreted and incorporated into account management strategies.
• Partner with model developers to integrate new and enhanced risk tools into strategy logic, ensuring proper calibration and governance.

Analytical Innovation & Ideation

• Identify and champion new analytical tools, behavioural scores, challenger models, and alternative data sources to improve predictive accuracy and decision quality.
• Lead ideation of segmentation schemes and decision pathways that unlock incremental value.

Champion–Challenger Framework Leadership

• Lead structured experimentation to evaluate, iterate, and scale customer and account treatments and account management strategies.
• Drive continuous improvement through evidence‑based strategy refinement.

Lifecycle Strategy Ownership

• Own strategy design for credit limits, exposure optimization, early‑warning treatments and portfolio‑level risk mitigation.
• Partner with Personal Banking Acquisition, Collections, and Product teams to ensure aligned actions across the customer lifecycle.

Technology & Execution Partnership

• Collaborate with Technology, Analytics, Underwriting, and Operations to translate complex strategy logic into deployable decision rules.
• Ensure technical feasibility, model governance alignment, and operational integrity across systems and platforms.

Portfolio Monitoring & Insights

• Deliver deep, data‑driven insights on portfolio performance, channel trends, client behaviour, and emerging risks.
• Recommend proactive adjustments to maintain outcomes within risk appetite.

Governance, Policy & Regulatory Alignment

• Ensure all strategies comply with credit policy, regulatory expectations, and model governance standards.
• Lead documentation, monitoring, and validation of strategy effectiveness.

Cross‑Functional Influence & Leadership

• Act as a strategic advisor to senior Personal Banking and enterprise leaders.
• Influence decisions related to credit policy, product design, client experience, and risk appetite across business units.

Qualifications & Experience

• Extensive experience in unsecured lending, including lifecycle account management strategy.
• Advanced understanding of consumer and/or credit risk modelling, business financial analysis, and model‑enabled decisioning.
• Proficiency with decision engines, decision‑tree and optimization software, and analytical platforms (e.g., FICO, SAS, ARGOSS, ML scoring systems).
• Strong analytical, strategic, and problem‑solving skills with the ability to translate insights 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.
• Demonstrated commitment to innovation, testing culture, and continuous improvement.

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.