Manager, Lending Portfolio Management - Canadian P&BB

BMO Financial Group; Toronto; On-site; CAD 69,000 - 129,000; Full time

Job summary

A leading financial institution is seeking an experienced professional with 5-7 years in risk management to join their team in Toronto. Your role will include advising the business on risk strategies, conducting independent analyses, and ensuring alignment between stakeholders. You will leverage your deep knowledge of regulatory requirements and analytics in a dynamic and customer-focused environment. The position offers a competitive salary ranging from $69,000 to $129,000 based on your experience.

Qualifications

• 5 - 7 years of relevant experience in a related field.
• In-depth knowledge of risk management and regulatory requirements.
• Technical proficiency in modelling and analytics.

Responsibilities

• Acts as a trusted advisor to the assigned business/group.
• Leads the development of the risk strategy management framework.
• Conducts independent analysis to resolve strategic issues.

Skills

Risk management

Analytical skills

Data driven decision making

Communication skills

Collaboration

Problem solving

Education

Post-secondary degree in related field of study

Job description

Application Deadline: 01/29/2026

Address: 33 Dundas Street West

Job Family Group: Audit, Risk & Compliance

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.

Responsibilities

• Acts as a trusted advisor to assigned business/group.
• Guides/assists in the identification and classification of issues; recommends action plans.
• Influences and negotiates to achieve business objectives.
• Recommends and implements solutions based on analysis of issues and implications for the business.
• Assists in the development of strategic plans.
• Identifies emerging issues and trends to inform decision-making.
• Researches existing or emerging requirements & related best practices to assist and develops recommendations for changes/enhancements.
• Helps determine business priorities and best sequence for execution of business/group strategy.
• Conducts independent analysis and assessment to resolve strategic issues.
• Leads the development and maintenance of the risk strategy management framework.
• Supports development and execution of strategic initiatives in collaboration with internal and external stakeholders.
• Represents the decision strategy function during internal/external regulatory audits and/or examinations.
• Ensures alignment between stakeholders.
• Coordinates the management of databases; ensures alignment and integration of data in adherence with data governance standards.
• Builds change management plans of varying scope and type; leads or participants in a variety of change management activities including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
• Leads and integrates the monitoring, measurement & reporting on the status of the risk decision strategy performance to internal & external stakeholders.
• Leads the management of governance meetings and maintenance of governing body mandates, oversight and approval guidelines.
• 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 decision strategy management framework.
• Leads/participates in the design, implementation and management of core business/group processes.
• 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 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 and external vendors (e.g. lending system, payment system, external credit rating system) 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.
• Focus is primarily on business/group within BMO; may have broader, enterprise-wide focus.
• Provides specialized consulting, analytical and technical support.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently and regularly handles non-routine situations.
• Broader work or accountabilities may be assigned as needed.

Qualifications

• Typically between 5 - 7 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
• In-depth product knowledge for the designated business / portfolio.
• In-depth knowledge of risk management theory, processes and portfolio management reporting techniques.
• In-depth knowledge of modelling & analytics concepts and applications.
• In-depth knowledge of risk systems technology.
• In-depth knowledge of regulatory requirements.
• Deep knowledge and technical proficiency gained through extensive education and 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 - In-depth.

Salary

$69,000.00 - $129,000.00

#FutureOfRetailLending