Senior Manager, Collections Strategy & Decisioning

BMO•Toronto, ON

5d•CA$86,000 - CA$160,000

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

7+ years in collections strategy, risk decisioning, or analytics within financial services.
Hands-on experience with decision engines (FICO TRIAD, FICO DM, CGI Strata, or similar).
Strong end-to-end collections expertise, including recoveries.
Solid analytics background with hands-on SQL, SAS, or equivalent.
Proven track record designing, testing, and deploying strategies at scale.
Strong stakeholder management and influencing skills; able to simplify complex concepts.
Good understanding of risk management, portfolio economics, and regulatory requirements.

Responsibilities

Lead the design, deployment, and optimization of collections and recoveries strategies across the lifecycle using advanced analytics (e.g., SAS, KnowledgeENTERPRISE) and decision engines (FICO TRIAD, FICO Decision Management, CGI Strata).
Drive data-led decisions to improve recoveries, reduce losses, and increase operational efficiency.
Design and optimize end-to-end collections strategies (early-stage through recoveries) using decision engines, predictive models, and business rules.
Own the full strategy lifecycle: design, simulation, testing, deployment, and performance monitoring.
Translate business objectives (risk, profitability, customer outcomes) into effective decision strategies.
Lead change management for strategy updates, including impact analysis, testing, and governance.
Leverage internal and external data (core banking, collections systems, bureaus, agencies, legal vendors) to enhance decisioning.
Partner with Risk, Operations, Technology, and external vendors to deliver and optimize strategies.
Deliver clear, executive-level insights and recommendations grounded in data.
Ensure strategies align with regulatory requirements and risk governance standards.