Senior Analyst Collections Strategy and Performance

BMO•Toronto, ON

2d•CA$56,000 - CA$103,500

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 decision-making 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

Typically, between 4 - 6 years of relevant experience and postsecondary degree in related field of study or an equivalent combination of education and experience.
Working / in-depth product knowledge for the designated business / portfolio.
Working / in-depth knowledge of risk management theory, processes and portfolio management reporting techniques.
Working / in-depth knowledge of modelling & analytics concepts and applications.
Working / in-depth knowledge of risk systems technology.
Technical proficiency gained through education and/or business experience.
Verbal & written communication skills - In-depth.
Collaboration & team skills - In-depth.
Analytical and problem-solving skills - In-depth.
Influence skills - In-depth.
Data driven decision making using SAS, SQL or equivalent – In-depth.

Responsibilities

Develops and maintains risk decision-support strategies using analytical solutions to enable high-quality, fact-based decisions for a designated risk portfolio.
Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.
Develops and maintains risk strategies using analytics, predictive modelling and business rules to optimize decisions and productivity.
Supports the planning and execution of the change management process including simulation, validation testing and reporting requirements to evaluate the effectiveness of the new or modified strategies.
Provides advice and guidance to assigned business/group on implementation of analytical solutions.
Develops and maintains in-depth knowledge of business and operations product strategies and related risk management requirements and legislative/ regulatory directives.
Works with stakeholders to identify the business requirements, understand the profitability structure, the risk / return assessment and the expected outcomes.
Works with data owners to discover and select available data sources from internal sources - including core banking, collections and payment platforms, credit bureaus and third-party vendor management systems (ie agencies and law firms) to fulfill analytical needs.
Works with internal and external stakeholders to understand the capabilities of risk models and core risk systems to ensure effectiveness of risk decision strategies.
Builds effective relationships with internal/external stakeholders.
Ensures alignment between stakeholders.
Summarizes statistical findings and draws conclusions and presents actionable business recommendations.
Presents findings & recommendations in a simple, clear way to drive action.
Consults with stakeholders to improve consistency and transparency of risk measurement, metrics and reporting.
Monitors and tracks performance; addresses any issues.