Senior Manager, Risk Analytics and Reporting

BMO•Chicago, IL

21h•$102,000 - $190,000•Hybrid

About The Position

Advanced Analytical & Technical Expertise Applies expert‑level analytical skills to break down complex credit risk problems, integrating data from multiple internal and external sources to produce insights, recommendations, and decision‑ready materials. Designs and produces sophisticated recurring and ad‑hoc reports, dashboards, and analytical tools to support credit risk monitoring and regulatory expectations. Conducts advanced credit portfolio analytics including vintage analysis, trend assessments, risk segmentation, and predictive analysis to identify emerging risks and portfolio vulnerabilities. Supports the development of risk decision strategies including data analytics, simulation, validation testing, and reporting requirements to evaluate the effectiveness of new or modified strategies. Data Management & Reporting Leadership Defines business requirements for analytics and reporting to ensure data insights inform senior‑level decisions and align with enterprise standards. Ensures strong governance and effective controls for data quality, lineage, and use of key risk indicators (KRIs), including the development, calibration, and ongoing monitoring of KRIs for Business Banking. Participates in and may lead components of strategic initiatives related to credit risk analytics, reporting transformation, and process modernization. Subject‑Matter Expertise & Consultation Acts as a subject matter expert on regulatory, policy, and industry requirements related to credit risk, risk reporting, and analytics. Provides strategic input to senior leaders regarding portfolio quality, emerging risks, model or policy impacts, and opportunities to enhance monitoring capabilities. Serves as a key partner to first‑ and second‑line stakeholders, offering effective challenge and analytical guidance on business banking originations, credit policy changes, and portfolio strategies. Programming & Tools Advanced proficiency in Excel, SAS, Python, and Power BI, with the ability to automate processes, build analytical models, integrate multiple data sources, and design interactive dashboards. Ability to perform complex portfolio analytics, including vintage curves, cohort performance tracking, segmentation modeling, and early‑warning indicator development. Risk Management Expertise In‑depth knowledge of credit risk management theory, risk systems, reporting frameworks, and Credit Cards and other Consumer lending products. Demonstrated experience with KRIs, KPIs, capital‑at‑risk assessments, and other advanced credit portfolio metrics. Strong understanding of regulatory expectations and internal policies impacting reporting and portfolio oversight. Communication & Influence Skilled in conveying complex analytical findings to senior stakeholders through clear narratives, visualizations, and recommendations. Proven ability to influence decision‑making in ambiguous or data‑limited environments, supporting cross‑functional alignment. Ideal Candidate Profile A seasoned analytical professional with 7+ years of experience in credit risk analytics, preferably within Consumer lending. Deep technical fluency in statistical analysis, programming, and risk reporting systems. Demonstrated ability to independently own complex analysis and produce insights that shape policy, risk appetite, and portfolio strategy. Comfortable working with large datasets, ambiguous business problems, and fast‑evolving regulatory and portfolio dynamics. Strong collaboration skills and the ability to serve as a trusted analytical advisor. This hybrid role requires in‑office collaboration a minimum of three days per week. If you’re looking for your next dream job, consider this one in BMO’s Enterprise Risk Group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks, working together to maintain a risk management framework and fostering a strong risk culture. #ERPMDreamJobs Supports the execution of accurate and efficient reporting solutions for risk, regulatory and management information to internal and external stakeholders including regulatory bodies. Supports an efficient and effective risk management function which uses common information sources and practices, reduces ongoing costs, increases service level performance and minimizes risk. Provides strategic input into business decisions as a trusted advisor Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group. Acts as a subject matter expert on relevant regulations and policies. May network with industry contacts to gain competitive insights and best practices. Interprets new regulations and assesses impacts to the risk reporting strategy/program framework. Influences and negotiates to achieve business objectives. Identifies emerging issues and trends to inform decision-making. Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution. Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals. Measures the effectiveness of risk reporting program/strategy; recommends changes as required. Conducts independent analysis and assessment to resolve strategic issues. Leads the development and maintenance of the risk reporting framework. Acts as the prime subject matter expert for internal/external stakeholders. Represents the risk reporting function during internal/external regulatory audits and/or examinations Ensures alignment between stakeholders. Designs and produces regular and ad-hoc reports, and dashboards. Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting. Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives. Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution. May provide specialized support for other internal and external regulatory requirements. Provides input into the planning and implementation of ongoing operational programs in support risk reporting management framework. Leads/participates in the design, implementation and management of core business/group processes. Designs, develops, and implements reporting solutions to meet management and regulatory reporting requirements. Provides advice and guidance to assigned business/group on implementation of analytical and reporting solutions. Executes work to deliver timely, accurate, and efficient service for scheduled reporting production processes. Supports the maintenance, monitoring, and measurement of key risk indicators to internal & external stakeholders. Analyses data and information to provide risk-related insights and recommendations for the assigned portfolio e.g. capital at risk modeling, risk/return assessments, etc. Supports the interpretation of internal and external policies and regulatory requirements relevant to the analytics and reporting mandate e.g. regulatory reporting. Works with various data owners to discover and select available data sources from internal sources and external vendors (e.g. lending system, payment system, external credit rating system) to fulfill analytical needs. Ensures strong governance and effective controls across risk reporting activities and information in accordance with enterprise standards. Analyzes data and highlights significant information including variances, trends, opportunities and exposures; escalates as required. Provides information and supports the process for internal and external audits. Gathers and formats data into regular and ad-hoc reports, and dashboards. Supports development and execution of strategic initiatives in collaboration with internal and external stakeholders. Builds effective relationships with internal/external stakeholders. Supports the maintenance of operational procedures and processes related to analytical and reporting processes. Supports the development of tools and delivery of training focused on awareness and understanding of key data elements used in risk reporting. Participates in the design, implementation and management of core business processes to ensure the accuracy of risk data used in reporting. Organizes work information to ensure accuracy and completeness. Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders. Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine. Implements changes in response to shifting trends. Broader work or accountabilities may be assigned as needed. Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Requirements

Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
In-depth/expert knowledge of risk management metrics, KPIs and KRIs.
In-depth/expert knowledge of industry trends and regulatory requirements for risk reporting.
In-depth/expert product knowledge for the designated business/portfolio.
Working knowledge of SQL, SAS, Python
In-depth/expert knowledge of risk management theory, processes and portfolio management reporting techniques.
In-depth/expert knowledge of reporting & analytics concepts and applications.
In-depth/expert knowledge of risk systems technology.
Seasoned professional with a combination of education, experience and industry knowledge.
Verbal & written communication skills - In-depth / Expert.
Analytical and problem solving skills - In-depth / Expert.
Influence skills - In-depth / Expert.
Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
Able to manage ambiguity.
Data driven decision making - In-depth / Expert.

Responsibilities

Supports the execution of accurate and efficient reporting solutions for risk, regulatory and management information to internal and external stakeholders including regulatory bodies.
Supports an efficient and effective risk management function which uses common information sources and practices, reduces ongoing costs, increases service level performance and minimizes risk.
Provides strategic input into business decisions as a trusted advisor
Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
Acts as a subject matter expert on relevant regulations and policies.
May network with industry contacts to gain competitive insights and best practices.
Interprets new regulations and assesses impacts to the risk reporting strategy/program framework.
Influences and negotiates to achieve business objectives.
Identifies emerging issues and trends to inform decision-making.
Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.
Measures the effectiveness of risk reporting program/strategy; recommends changes as required.
Conducts independent analysis and assessment to resolve strategic issues.
Leads the development and maintenance of the risk reporting framework.
Acts as the prime subject matter expert for internal/external stakeholders.
Represents the risk reporting function during internal/external regulatory audits and/or examinations
Ensures alignment between stakeholders.
Designs and produces regular and ad-hoc reports, and dashboards.
Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting.
Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
May provide specialized support for other internal and external regulatory requirements.
Provides input into the planning and implementation of ongoing operational programs in support risk reporting management framework.
Leads/participates in the design, implementation and management of core business/group processes.
Designs, develops, and implements reporting solutions to meet management and regulatory reporting requirements.
Provides advice and guidance to assigned business/group on implementation of analytical and reporting solutions.
Executes work to deliver timely, accurate, and efficient service for scheduled reporting production processes.
Supports the maintenance, monitoring, and measurement of key risk indicators to internal & external stakeholders.
Analyses data and information to provide risk-related insights and recommendations for the assigned portfolio e.g. capital at risk modeling, risk/return assessments, etc.
Supports the interpretation of internal and external policies and regulatory requirements relevant to the analytics and reporting mandate e.g. regulatory reporting.
Works with various data owners to discover and select available data sources from internal sources and external vendors (e.g. lending system, payment system, external credit rating system) to fulfill analytical needs.
Ensures strong governance and effective controls across risk reporting activities and information in accordance with enterprise standards.
Analyzes data and highlights significant information including variances, trends, opportunities and exposures; escalates as required.
Provides information and supports the process for internal and external audits.
Gathers and formats data into regular and ad-hoc reports, and dashboards.
Supports development and execution of strategic initiatives in collaboration with internal and external stakeholders.
Builds effective relationships with internal/external stakeholders.
Supports the maintenance of operational procedures and processes related to analytical and reporting processes.
Supports the development of tools and delivery of training focused on awareness and understanding of key data elements used in risk reporting.
Participates in the design, implementation and management of core business processes to ensure the accuracy of risk data used in reporting.
Organizes work information to ensure accuracy and completeness.
Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
Implements changes in response to shifting trends.
Broader work or accountabilities may be assigned as needed.
Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.