Manager, profit & loss optimization and pricing, advise based product

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

Job summary

A major financial services company in Toronto is looking for a Manager, P&L Optimization and Pricing. This role involves driving profitable growth through advanced financial modeling and data-driven pricing strategies. Candidates should have 5–7 years of banking experience, advanced skills in SQL and Power BI, and the ability to communicate complex analyses clearly. Competitive salary and strong benefits are offered, including health insurance and retirement plans.

Benefits

Health insurance

Tuition reimbursement

Retirement savings plans

Performance-based incentives

Qualifications

• 5–7 years of experience in banking with a focus on lending or advisory products.
• Advanced proficiency in SQL and Power BI.
• Experience with pricing discretion and exception policy design.

Responsibilities

• Drive profitable growth with actionable pricing strategies.
• Design repeatable pricing and reporting processes.
• Collaborate across functions to influence decisions.

Skills

Financial modeling

SQL

Power BI

Analytical skills

Communication skills

Education

Accounting designation (CPA) or equivalent

Tools

Excel

Job description

Application Deadline: 12/04/2025

Address: 33 Dundas Street West

Job Family Group: Customer Solutions

What you'll bring (Required)

• Proven financial modeling and management reporting experience in banking/financial services (e.g., P&L builds, margin/spread modeling, scenario analysis, sensitivity/elasticity), with a track record of influencing decisions using quantitative evidence.
• 5–7 years of experience in banking with focus on lending or advisory products, pricing, or product management; strong analytical background (risk, marketing analytics, or FP&A acceptable).
• Advanced proficiency in SQL and Power BI (or comparable BI), and expert Excel; comfort with large datasets and dashboard/report automation.
• Clear, concise communication and presentation skills; ability to synthesize complex analysis into executive‑ready messages.

Nice to have (Assets)

• Knowledge of banking treasury/portfolio management (e.g., funds transfer pricing, securitization, capital/liquidity drivers) is an asset.
• Accounting designation (CPA) or active progress/WIP is an asset; strong understanding of financial statements and accounting flows for lending/advisory products.
• Experience with pricing discretion/exception policy design and impact measurement.

How you'll succeed

• Operator mindset: You design repeatable pricing/reporting processes with controls and SLAs.
• Commercial judgment: You balance growth, profitability, and risk; you know when to hold spread vs. invest in price.
• Influence without authority: You collaborate across functions and resolve conflicts to land decisions.
• Curiosity & learning: You proactively explore data and market signals to stay ahead of trends.

The Manager, P&L Optimization and Pricing Advise Based Product drives profitable growth by converting data into actionable pricing strategies, financial insights, and operational improvements that enhance customer outcomes and business performance. You’ll combine advanced analytics, hands‑on financial modeling and reporting, and cross functional influence to optimize spreads, margins, and risk management across our advisory product portfolio.

Financial modeling, reporting & P&L optimization

• Build and maintain robust financial models (spread/margin, risk and opportunity, scenario analysis) and recurring P&L reports to inform decisions on pricing, product mix, and capital efficiency.
• Analyze drivers of performance (e.g., various funding costs, acquisition cost, allocated expenses) and translate insights into actionable recommendations.
• Design and enhance reporting processes and controls that improve timeliness, accuracy, and transparency.

Pricing strategy & execution

• Develop and execute pricing strategies across advisory products and channels, aligned with business objectives and brand promise.
• Set and support posted rates, pricing discretion, and exception policies to balance growth and profitability; monitor impacts to NIM and non‑interest revenue.
• Anticipate market, regulatory, and customer shifts; recommend timely pricing tactics and portfolio actions.

Models, tools & data

• Manage and evolve pricing models and tools used for spread management and profitability analytics; define data requirements and quality standards.
• Measure and improve price elasticity understanding; evaluate trade‑offs between product attributes and demand.

Process excellence & stakeholder leadership

• Identify and streamline financial and pricing processes to enable faster, well‑controlled decisions and improved customer experience.
• Partner closely with Finance, Treasury, Product, Risk, Marketing, Operations, Sales, and Digital to design and embed sustainable pricing capabilities; act as a trusted advisor to senior stakeholders.

Salary : $69,000.00 - $129,000.00

Pay Type: Salaried

The above represents BMO Financial Group’s pay range and type.

Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part‑time roles will be pro‑rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.

BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance‑based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.

As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in‑depth training and coaching, to manager support and network‑building opportunities, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.

Note to Recruiters

BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.