Director, Business Banking Lending Acquisition & Account Management

BMO•Toronto, ON

11d

About The Position

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. #FutureOfRetailLending

Requirements

Extensive experience in Business Banking lending, including acquisition, adjudication, and/or 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.

Responsibilities

Build and optimize end‑to‑end Business Banking lending acquisition and account management strategies using advanced decision‑tree and optimization platforms.
Align interventions to growth, profitability, risk appetite, and client experience objectives.
Ensure adjudication strategies consistently support fair, efficient, and scalable lending decisions.
Lead the design and calibration of adjudication strategies deployed across all Business Banking channels, including digital decisioning, branch and advisor‑led lending, centralized underwriting, and specialized credit teams.
Ensure consistency, transparency, and efficiency in lending decisions across channels while accounting for unique segment and product needs.
Serve as a primary model user, guiding how models, scores, and analytical signals are interpreted and incorporated into acquisition and account management strategies.
Partner with model developers to integrate new and enhanced risk tools into strategy logic, ensuring proper calibration and governance.
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.
Lead structured experimentation to evaluate, iterate, and scale new acquisition treatments, adjudication pathways, and account management strategies.
Drive continuous improvement through evidence‑based strategy refinement.
Own strategy design for credit limits, exposure optimization, early‑warning treatments, pre‑delinquency interventions, and portfolio‑level risk mitigation.
Partner with Business Banking Acquisition, Collections, and Product teams to ensure aligned actions across the customer lifecycle.
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.
Deliver deep, data‑driven insights on portfolio performance, channel trends, client behaviour, and emerging risks.
Recommend proactive adjustments to maintain outcomes within risk appetite.
Ensure all strategies comply with credit policy, regulatory expectations, and model governance standards.
Lead documentation, monitoring, and validation of strategy effectiveness.
Act as a strategic advisor to senior Business Banking and enterprise leaders.
Influence decisions related to credit policy, product design, client experience, and risk appetite across business units.