Senior Analyst, Lending Portfolio Management - Canadian P&BB

BMO Financial Group; Toronto; On-site; CAD 77,000 - 143,000; Full time

Job summary

A leading financial institution in Toronto is seeking a professional for the role of Risk Strategy Analyst to develop and maintain risk decision strategies that leverage data and technology. The ideal candidate will have 4-6 years of relevant experience and strong analytical skills. This role involves collaboration with internal and external stakeholders to drive data-driven decisions in a fast-paced environment. Competitive compensation is offered, along with comprehensive benefits and opportunities for growth.

Benefits

Health insurance

Tuition reimbursement

Retirement savings plans

Qualifications

• 4 - 6 years of relevant experience.
• In-depth knowledge of risk management theory and processes.
• Technical proficiency through education or business experience.

Responsibilities

• Support risk decision strategies leveraging data and analytics.
• Analyze data to provide insights and recommendations.
• Develop and maintain risk strategies using modeling techniques.

Skills

Analytical skills

Communication skills

Problem solving

Collaboration

Data-driven decision making

Education

Post-secondary degree in related field

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.

Develops and maintains risk decision‑support strategies using analytical solutions to enable high‑quality, fact‑based decisions for a designated risk portfolio. Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.

Responsibilities

• Supports development and execution of strategic initiatives in collaboration with internal and external stakeholders.
• Breaks down strategic problems, and analyzes data and information to provide insights and recommendations.
• Manages databases and provides support for analysis, forecasting and/or data visualization, ensuring adherence with data governance standards.
• Supports change management of varying scope and type; tasks typically focused on execution and sustainment activities.
• Acts as a resource for team members with less experience.
• Leads or assists with the maintenance, monitoring, measurement & reporting on the status of the risk decision strategies performance.
• Supports the development and maintenance of system and process documentation / process controls / knowledge assets required for the operation.
• Supports the maintenance, monitoring, measurement & reporting on the status of the risk decision strategies and key risk indicators to internal & external stakeholders.
• 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.
• Exercises judgment to identify, diagnose, and solve problems within given rules.
• Works independently on a range of complex tasks, which may include unique situations.

Qualifications

• Typically between 4 - 6 years of relevant experience and post‑secondary degree in related field of study or an equivalent combination of education and experience.
• Working / in‑depth product knowledge for the designated business / portfolio.
• Working / in‑depth knowledge of risk management theory, processes and portfolio management reporting techniques.
• Working / in‑depth knowledge of modelling & analytics concepts and applications.
• Working / in‑depth knowledge of risk systems technology.
• Technical proficiency gained through education and/or 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.

#FutureOfRetailLending

Compensation

Salary : $56,000.00 - $103,500.00

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.