Senior Manager, Business Banking Lending Acquisition

BMO•Toronto, ON

11d•Onsite

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 The Senior Manager, Business Banking Lending Acquisition plays a pivotal role in designing, developing, and executing advanced credit acquisition strategies across the full suite of Business Banking lending products. This role drives high‑quality credit growth, elevates client experience, and supports portfolio resilience through next‑generation decisioning, adjudication excellence, and data‑driven strategy design. Acting as both a strategic thinker and hands‑on analytical practitioner, the Senior Manager partners closely with Product, Risk, Credit Adjudication, Technology, Analytics, Distribution, and Operations to deliver scalable, automated acquisition strategies. Leveraging modern decision tree platforms, machine‑learning‑enabled models, and optimization tools, the Senior Manager ensures lending decisions across digital, branch, and advisor‑led channels are fair, efficient, consistent, and aligned with Business Banking’s risk appetite and growth ambitions.

Requirements

Extensive experience in Business Banking lending, with a focus on acquisition, adjudication, and/or credit‑strategy design.
Advanced understanding of business credit risk modelling, financial analysis, and model‑enabled decisioning.
Proficiency with decision engines, decision‑tree and optimization platforms, and analytical tools (e.g., FICO, SAS, ARGOSS, ML scoring systems).
Strong analytical and strategic problem‑solving skills with proven ability to convert insights into executable strategies.
Demonstrated ability to lead cross‑functional initiatives and influence senior stakeholders.
Deep knowledge of credit policy, regulatory frameworks, and model governance.
Strong commitment to innovation, test‑and‑learn culture, and continuous improvement.

Responsibilities

Design, implement, and optimize end‑to‑end Business Banking lending acquisition strategies using advanced decision tree, segmentation, and optimization platforms. Align interventions to growth, profitability, credit‑risk appetite, and client‑experience objectives. Refine credit pathways and decision logic to ensure scalable, transparent, and consistent outcomes across all acquisition channels.
Support the design and calibration of adjudication strategies across digital, branch/advisor, centralized underwriting, and specialized credit teams. Ensure adjudication logic balances speed, quality, and risk integrity while accommodating the needs of diverse Business Banking segments and products. Maintain alignment across channels while enabling appropriate tiering, routing, and exceptions frameworks.
Act as a designated model user, incorporating risk models, scores, behavioural indicators, and analytical signals into acquisition strategy logic. Partner with model developers to integrate new or enhanced risk tools, ensuring appropriate calibration, interpretation, and governance.
Identify opportunities to introduce new analytical tools, segmentation techniques, challenger models, or alternative data sources to improve predictive power and decision quality. Lead ideation of new acquisition pathways that unlock lift in approval quality, booking yield, or conversion efficiency.
Design and execute structured experimentation to evaluate new acquisition treatments, adjudication pathways, automated decisioning rules, and credit‑policy variations. Use evidence‑based insights to iterate and scale successful strategies.
Collaborate with Technology, Analytics, Underwriting, and Operations to translate strategy logic into deployable, automated decision rules. Ensure technical feasibility, model‑governance alignment, operational integrity, and strong change‑management discipline.
Monitor and analyze acquisition funnel performance including approval rates, booking quality, decline/refer patterns, product mix shifts, and competitive dynamics. Deliver insights on emerging trends, client behaviour, and early‑life risk performance to inform proactive strategy refinement.
Ensure all acquisition strategies comply with credit policy, regulatory expectations, and model‑governance standards. Lead or contribute to documentation, monitoring, validation, and oversight activities supporting credit strategy governance.
Act as a strategic advisor to partners across Business Banking. Influence decisions related to credit policy, product design, channel strategy, adjudication frameworks, and risk appetite.