Manager, Business Banking Account Management

Address:

Join a pioneering team shaping the future of Canadian Retail Credit Strategies.

Were building next-generation end-to-end credit solutions that span the entire lifecyclefrom acquisition and account management to collectionsanchored 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 youre 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.

The Manager Business Banking Account Management supports the design execution and continuous refinement of credit account management strategies across Business Banking lending products. This role focuses on optimizing portfolio quality elevating the client experience and ensuring Business Banking clients receive proactive datadriven support throughout the lending lifecycle.

Working closely with Credit Risk Underwriting Analytics and Relationship Management teams the Manager applies financial analysis risk insights and strategy execution skills to manage exposure strengthen portfolio resilience and enable consistent highquality lending decisions.

Key Responsibilities

Account Management Strategy & Execution

• Support the development and optimization of endtoend account management strategies across the Business Banking credit lifecycle.

• Execute strategy changes within decision platforms ensuring alignment to risk appetite profitability and client experience objectives.

• Apply decisioning logic segmentation rules and treatment paths that guide limit management exposure updates and behavioural interventions.

Ongoing Portfolio Management

• Monitor client behaviour credit trends early warning indicators and exposure patterns to identify risks and opportunities within the portfolio.

• Recommend strategy adjustments to maintain portfolio quality and ensure outcomes remain within risk appetite.

• Prepare insights and reporting packages that highlight emerging trends and client needs.

Early Warning & Intervention

• Execute early warning predelinquency and behavioural segmentation strategies that support proactive client management.

• Work with partner teams to deploy clientlevel actions at appropriate points in the lifecycle (e.g. limit reviews exposure reductions outreach triggers).

Model & Analytical Tool Application

• Use credit scores financial signals and risk models appropriately to support account management decisions.

• Partner with model users and analysts to interpret model outputs and ensure strategies are correctly calibrated.

CrossFunctional Collaboration

• Work closely with Underwriting Relationship Management Collections Product and Risk teams to ensure coordinated actions across the client lifecycle.

• Translate strategy requirements into clear operational steps for technology and business partners.

• Support documentation of strategy logic governance requirements and policy alignment.

Testing & Continuous Improvement

• Participate in championchallenger tests to evaluate new account management treatments and decision paths.

• Analyze results identify improvement opportunities and support the rollout of optimized strategies.

• Contribute ideas for new segmentation schemes risk signals or decision enhancements.

Governance Compliance & Controls

• Ensure account management strategies comply with credit policy regulatory expectations and model governance standards.

• Support ongoing validation monitoring and documentation to maintain strong strategy governance.

Qualifications & Experience

• 35 years of experience in Business Banking credit risk management account management underwriting or related analytical roles.

• Strong understanding of Business Banking lending products financial analysis and credit lifecycle processes.

• Experience working with risk models credit scores and/or behavioural segmentation tools.

• Proficiency with analytical platforms (e.g. decision engines SAS SQL FICO or similar decision tree tools).

• Strong problem solving quantitative analysis and criticalthinking skills.

• Ability to interpret data and translate insights into actionable strategy recommendations.

• Effective communicator with the ability to collaborate across underwriting relationship management analytics and product teams.

• Commitment to continuous improvement testing culture and datadriven decisioning.

#FutureOfRetailLending

The above represents BMO Financial Groups 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 Groups expected target for the first year in this position.

BMO Financial Groups 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: 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. Well 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 well help you gain valuable experience and broaden your skillset.

To find out more visit us at is committed to an inclusive equitable and accessible workplace. By learning from each others 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.