Director, Commercial Banking Analytics & Pricing

BMO•Toronto, ON

3d•Onsite

About The Position

We are seeking a seasoned Director, Commercial Banking Analytics & Pricing. This role is designed for a commercial‑lending expert who combines deep knowledge of credit products and deal economics with advanced analytical skills. The successful candidate will partner closely with senior leaders to drive data‑informed decisions across lending strategy, pricing, portfolio performance, and client profitability. This role sits at the intersection of commercial banking, credit, pricing strategy, and advanced analytics, translating complex data into practical insights that shape lending decisions and competitive positioning.

Requirements

5–7+ years of experience in commercial banking, lending analytics, pricing, or related financial services roles
Strong understanding of commercial credit fundamentals, including deal structuring, pricing drivers, and portfolio performance
Experience applying analytics to lending decisions, portfolio optimization, or pricing strategy
Hands-on experience using SQL and Python (or equivalent) for data analysis and insight generation
Ability to work with complex datasets and translate results into business-relevant insights
Experience building repeatable analytical solutions and performance reporting assets
Demonstrated ability to distill complex financial and analytical concepts into clear, compelling narratives
Comfortable influencing senior stakeholders across business, credit, and functional teams

Responsibilities

Serve as a trusted advisor to senior commercial banking leaders, providing insights on lending strategy, pricing, portfolio performance, and client profitability
Act as a subject matter expert on commercial lending products, including term loans, revolving credit facilities, guarantees, and structured solutions
Apply strong understanding of credit risk, return metrics (RAROC, ROE), and capital considerations to pricing and portfolio recommendations
Conduct in-depth analyses of deal economics, pricing effectiveness, client behavior, and competitive dynamics
Translate analytical findings into clear, executive-ready recommendations that support growth, risk, and profitability objectives
Partner with business leaders to enhance lending pricing frameworks, ensuring alignment with risk appetite, capital usage, and market conditions
Translate commercial and client needs into well-defined product and pricing requirements, supported by rigorous financial analysis
Develop investment and enhancement business cases, including expected returns, risk sensitivities, and portfolio impacts
Support product changes and launches by coordinating with sales, credit, technology, and operations on tools, analytics, training, and documentation
Leverage SQL, Python, or similar tools to extract, analyze, and interpret large commercial banking datasets
Build scalable analytical models and dashboards to support pricing, portfolio monitoring, and deal-level decisioning
Automate recurring reporting and analytical workflows to improve timeliness, consistency, and insight generation
Collaborate with data engineering and analytics teams to improve data quality, lineage, and analytical infrastructure