Strategic Credit Policy & Industry Programs Lead

bmo; Toronto; On-site; CAD 120,000 - 180,000; Full time

Job summary

BMO is seeking a Senior Manager, Credit Policy & Industry Programs in Canadian Business Banking to lead policy development, enhance lending programs, and drive strategic growth within approved risk parameters.

The role collaborates with risk, product, legal, compliance, and distribution teams to deliver competitive credit policy while maintaining enterprise risk controls. A focus on market opportunities and program optimization will shape capital allocation and client outcomes.

Qualifications

• 7+ years of financial services experience with significant exposure to business banking lending, credit policy, credit adjudication, portfolio management, or risk management.
• Strong understanding of business banking lending products, credit risk management principles, and policy governance frameworks.
• Proven experience developing, interpreting, or implementing credit policy and lending program strategies.
• Strong strategic thinking and problem-solving skills with the ability to translate complex issues into actionable recommendations.
• Demonstrated ability to influence stakeholders and drive change across multiple businesses.

Responsibilities

• Develop, enhance, and optimize Canadian Business Banking credit policies and specialized industry lending programs that support profitable growth and strategic market expansion.
• Identify policy improvements and program enhancements designed to strengthen competitive positioning while maintaining alignment with risk appetite and risk management framework.
• Collaborate with distribution teams, credit risk partners, product groups, portfolio management, and other stakeholders to design and implement policy and program enhancements.
• Own and manage a portfolio of industry-focused lending programs and strategic initiatives that support Business Banking growth priorities.
• Develop business cases and policy proposals, including assessment of growth opportunities, risk implications, operational impacts, and financial outcomes.
• Monitor industry program and policy performance, identifying opportunities for optimization and ensuring outcomes align with business and risk objectives.
• Provide subject matter expertise and strategic guidance on credit policy matters, industry trends, regulatory developments, and competitive market practices.
• Support the development of multi-year policy and industry program roadmaps aligned to strategic priorities and growth objectives.

Education

Business/Finance/Economics/Commerce degree

Job description

BMO is seeking a Senior Manager, Credit Policy & Industry Programs in Canadian Business Banking to lead policy development, enhance lending programs, and drive strategic growth within approved risk parameters.

The role collaborates with risk, product, legal, compliance, and distribution teams to deliver competitive credit policy while maintaining enterprise risk controls. A focus on market opportunities and program optimization will shape capital allocation and client outcomes.