Director, Lending & Portfolio Management - Project Management

BMO•Toronto, ON

3d•CA$110,500 - CA$192,500

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. The Director, Lending & Portfolio Management - Project Management leads the planning, execution, and delivery of lending and portfolio management initiatives across the customer credit lifecycle — including acquisition, underwriting, account management, fraud management, and collections for Consumer and Business Banking. This leader is accountable for orchestrating complex, multi‑stakeholder programs that modernize credit processes, strengthen risk management, enhance operational efficiency, and improve customer outcomes. They work closely with partners across Lending, Risk, Product, Fraud, Collections, Operations, Finance, Technology, and Compliance to ensure initiatives are well‑designed, governed effectively, and delivered with excellence.

Requirements

5+ years of experience in lending, credit risk, program management, or enterprise transformation within financial services.
Proven success leading large, multi‑disciplinary programs across the customer credit lifecycle (acquisition, underwriting, account management, fraud, collections).
Exceptional project management expertise, including program design, governance, planning, execution oversight, and change management.
Demonstrated ability to influence senior leaders and deliver executive‑ready communication, insights, and recommendations.
Strong analytical and problem‑solving skills, able to break down complex issues and prioritize effectively in a fast‑moving environment.

Nice To Haves

Project management certification (e.g., PMP) or formal training is an asset but not required; experience delivering complex enterprise programs is essential.

Responsibilities

Lead strategic programs that transform credit lifecycle processes, capabilities, and platforms across Consumer and Business Banking.
Oversee project planning, scope definition, work‑back schedules, governance, and senior‑level communication across all phases of delivery.
Partner with cross‑functional leaders to align program objectives with lending, risk, and business priorities.
Drive modernization programs related to underwriting, customer management, credit strategies, digital enablement, fraud prevention, and collections optimization.
Translate business and risk objectives into clear project requirements, ensuring initiatives strengthen portfolio quality, customer experience, and operational performance.
Manage interdependencies across products, channels, and partner teams, ensuring solutions deliver an integrated credit lifecycle experience.
Oversee execution of multiple complex workstreams involving analytics, operations, technology, risk, and external partners.
Identify and mitigate project risks, escalate issues proactively, and ensure robust change‑management and rollout strategies.
Track key milestones, deliverables, and performance indicators to maintain transparency and momentum.
Maintain strong governance practices, including steering committee updates, executive reporting, and documentation.
Ensure all initiatives adhere to regulatory expectations, enterprise risk appetite, and change‑management protocols.
Provide executives with clear, action‑oriented insights on program progress, outcomes, challenges, and recommended decisions.
Serve as a central point of coordination for teams across Lending, Risk, Technology, Fraud, Collections, Operations, and Product.
Translate complex information into concise, decision‑ready content for senior leaders and executive committees.
Build strong partnerships and influence across the enterprise to accelerate delivery and ensure alignment.
Lead and develop a high‑performing project management team with expertise in credit, risk, operations, and transformation.
Foster a culture of accountability, structured problem‑solving, operational discipline, and collaborative delivery.
Strengthen project management practices, tools, frameworks, and team capabilities.