Card Balance & Risk Programs Lead

BMO; Toronto; On-site; CAD 86,000 - 185,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Life insurance

Retirement savings plan

Job summary

BMO Financial Group is seeking a Senior Manager, Balance Transfer and Risk Reduction Programs to lead card portfolio strategies in Canada. This role drives revenue growth while balancing risk, conducts market research, forecasting, and competitive analysis, and partners with legal, regulatory, and risk teams to implement effective solutions.

You will collaborate with internal partners across the enterprise on Balance Transfers, Installment Lending, and Pre-Delinquency programs, guide program

Qualifications

• Typically 7+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience.
• Strong experience with consumer / commercial credit applicable to retail and business financing products.
• Strong knowledge of product delivery infrastructure systems and underlying product interdependencies.

Responsibilities

• Strategy oversight of Balance Transfers, Installment Lending and Pre-Delinquency programs at the customer level within the BMO Canadian retail and small business credit card portfolio; liaises with finance, credit risk, analytics, and operations; focuses on customer experience and program optimization.
• Operations & Financial Management: support long-term goals to reduce operational risk, maximize flexibility, and build new functionalities to drive customer behavior and revenue; manage program readiness, planning, and execution; meet financial metrics.
• Team Management: foster a high-performing team, develop staff, and align with BMO values; coordinate cross-functional work and ensure delivery of value.

Skills

Balance Transfers

Installment Lending

Pre-Delinquency programs

Credit risk management

Pricing & forecasting

Education

Bachelor's degree in Business or related field

Tools

TSYS

TRIAD

Job description

BMO Financial Group is seeking a Senior Manager, Balance Transfer and Risk Reduction Programs to lead card portfolio strategies in Canada. This role drives revenue growth while balancing risk, conducts market research, forecasting, and competitive analysis, and partners with legal, regulatory, and risk teams to implement effective solutions.

You will collaborate with internal partners across the enterprise on Balance Transfers, Installment Lending, and Pre-Delinquency programs, guide program