Talent.com
BMO
Senior Manager, Unsecured Lending Portfolio ManagementBMO • Toronto, Ontario, Canada
Senior Manager, Unsecured Lending Portfolio Management

Senior Manager, Unsecured Lending Portfolio Management

BMO • Toronto, Ontario, Canada
30+ days ago
Job type
  • Part-time
Job description
Application Deadline:

08/02/2026

Address:
33 Dundas Street West

Job Family Group:

Audit, Risk & Compliance

The Senior Manager, Unsecured Lending Portfolio Management plays a critical role in designing and executing advanced credit acquisition and account management strategies across Credit Card and Unsecured Lending portfolios. This position combines strategic thinking with hands-on analytical execution to deliver solutions that drive profitable growth, enhance customer experience, and maintain portfolio resilience within the organization's risk appetite.

Working closely with cross-functional partners in Product, Risk, Technology, Analytics, and Operations, the Senior Manager develops scalable, automated strategies leveraging decision tree technologies, machine learning-enabled models, and optimization tools. This role ensures strategies evolve with customer behavior and market dynamics while adhering to governance and regulatory standards.

Key Responsibilities
  • Strategy Development & Execution
    Design and implement customer-level account management strategies using decision tree and optimization platforms, aligning actions to growth, profitability, and risk objectives.
  • Quantitative modeling & analytics (ML/statistics to decision outcomes):
  • Apply statistical and machine learning techniques to develop models and decision frameworks; run tests, conduct statistical analysis, and interpret results to drive strategy changes.
  • Create simulation/forecasting frameworks to estimate the financial and risk impacts of strategy decisions; compare realized outcomes vs. expectations and embed continuous improvement loops.
  • Model Application & Interpretation
    Act as a key model user, applying models and scores within strategy logic, ensuring proper interpretation and segmentation to differentiate risk across the portfolio.
  • Analytical Insights & Innovation
    Identify opportunities for new segmentation approaches, behavioral scores, and analytical enhancements to improve predictive power and strategy performance.
  • Champion-Challenger Testing
    Execute structured testing frameworks to evaluate and refine treatments, segmentation schemes, and decision pathways.
  • Lifecycle Strategy Support
    Contribute to strategy design for acquisition, credit limit management, exposure optimization, early warning treatments, and performance-based interventions, ensuring alignment across the customer lifecycle.
  • Technology & Deployment Partnership
    Collaborate with Technology and Analytics teams to translate strategy logic into deployable decision rules, ensuring technical feasibility and operational integrity.
  • Portfolio Monitoring & Reporting
    Deliver data-driven insights on portfolio performance and emerging trends; recommend proactive adjustments to maintain performance within risk appetite.
  • Governance & Compliance
    Ensure strategies comply with credit policy, regulatory requirements, and model governance standards, including documentation and monitoring.
Qualifications & Experience
  • 7+ years of experience in Credit Card/Personal Unsecured lending products and/or Unsecured Lending acquisition and account management strategy.
  • Graduate degree in a quantitative discipline (Statistics, Mathematics, Actuarial Science, Engineering, Finance, Economics, or related field).
  • Strong understanding of credit risk concepts and practical experience as a model user.
  • Strong understanding of credit lifecycle economics, ROE drivers, and risk-return optimization principles.
  • Proven expertise in applying machine learning and data science techniques to develop and optimize credit risk strategies, ensuring statistical robustness, stability, and alignment with business objectives
  • Proficiency with decision engines, decision tree software, and analytical platforms (e.g., Python, FICO, SAS, SQL, ML scoring systems) ; ability to translate complex analysis for senior audiences.
  • Demonstrated ability to translate analytical insights into executable strategies.
  • Experience managing cross-functional projects and influencing stakeholders.
  • Familiarity with credit policy, regulatory frameworks, and model governance.
  • Commitment to innovation, experimentation, and continuous improvement.
  • Strong communication, influencing, and stakeholder management skills; able to operate autonomously in a fast-paced environment.
Salary :

$86,000.00 - $160,000.00

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.
Create a job alert for this search

Senior Manager, Unsecured Lending Portfolio Management • Toronto, Ontario, Canada

Similar jobs

Senior Manager, Unsecured Lending Portfolio Management

BMO Financial GroupToronto, Canada
Full-time

Date limite pour présenter sa candidature : 06/29/2026 Adresse : 33 Dundas Street West Groupe de famille d'emploi : Audit, gestion des risques et conformité The Senior Manager, Unsecured Len... Show more

 • Promoted

Bilingual Lending & Portfolio Services Specialist

Peoples GroupToronto, ON, CA
Full-time

The company is hiring for positions based in Toronto, Vancouver, and Calgary.Successful candidates applying from outside these areas will be expected to relocate and reside within a commutable dist... Show more

 • Promoted

Portfolio Manager

McCain FoodsToronto, ON, CA
Full-time

McCain has embarked on an ambitious digital transformation across our business from Agriculture to Manufacturing and commercial capabilities to enhance our Customer obsession.As part of this transf... Show more

 • Promoted

Manager, Portfolio Reporting & Analytics

Canada Infrastructure Bank/ Banque de l'infrastructure du CanadaToronto, ON, CA
Full-time

La Banque de l’infrastructure du Canada (BIC), dont le siège social est à Toronto, a la responsabilité d’investir dans de nouveaux projets d’infrastructures.La mission de la BIC est de travailler a... Show more

 • Promoted • New!

Senior Manager, Unsecured Lending Portfolio Management

BMOToronto, Ontario, Canada
Full-time

Senior Manager, Unsecured Lending Portfolio Management.The Senior Manager, Unsecured Lending Portfolio Management plays a critical role in designing and executing advanced credit acquisition and ac... Show more

 • Promoted

Portfolio Manager

RPIA Capital Managementtoronto, on, Canada
Permanent

We are seeking a full‑time permanent Portfolio Manager to join our Investment Management team.The Portfolio Manager will play a key role in managing North American investment‑grade corporate credit... Show more

 • Promoted

Associate Portfolio Manager, Credit Investing

Purpose InvestmentsToronto, ON, CA
Full-time

Led by entrepreneur Som Seif, the company is developing a diversified product platform aimed at addressing historically underserved segments of the market.Purpose Unlimited’s businesses include Pur... Show more

 • Promoted

Senior Manager Mutual Fund Dealer Operations

National Bank of CanadaToronto, ON, CA
Temporary

Senior Manager Mutual Fund Dealer Operations.Be among the first 25 applicants.Senior Manager Mutual Fund Dealer Operations.Get AI-powered advice on this job and more exclusive features.A career as ... Show more

 • Promoted

Senior Wealth Portfolio Manager for HNW Clients

Collins Recruitment GroupToronto, ON, CA
Full-time

A leading Canadian investment firm is seeking a Portfolio Manager or Associate Portfolio Manager in Toronto, ON.The successful candidate will manage client relationships, deliver comprehensive weal... Show more

 • Promoted

Associate Portfolio Manager in Global Credit

Investment Management Corporation of OntarioToronto, ON, CA
Full-time

Advance your career in finance with our Associate Portfolio Manager position on the Global Credit investment team, focusing on private debt investments.Engage in critical analyses that support high... Show more

 • Promoted

Senior Digital Lending Product Manager

Haventree BankToronto, ON, CA
Full-time

A leading Canadian bank in Toronto is seeking a Senior Product Manager to transform and manage its Lending products and digital banking platform.The ideal candidate will have over 5 years of produc... Show more

 • Promoted

Senior manager, unsecured lending portfolio management

BMO Financial GroupToronto, ON, CA
Full-time

Date limite pour présenter sa candidature : 06/29/2026.Adresse : 33 Dundas Street West.Groupe de famille d'emploi : Audit, gestion des risques et conformité.The Senior Manager, Unsecured Lending Po... Show more

 • Promoted

Senior Manager, Mortgage Retention and HELOC Strategy

Kinvietoronto, on, Canada
Full-time

Reporting to the Senior Director, Strategy and Operations, the Senior Manager, Mortgage Retention and HELOC Strategy is responsible for devising strategies and launching initiatives to drive maximu... Show more

 • Promoted

Portfolio Manager | Associate Portfolio Manager | Wealth Manager - SJF - Markham

Scotia Wealth ManagementMarkham, ON, CA
Full-time

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.Scotia Jarislowsky Fraser (SJF) is expanding and hiring across multiple roles supporting our To... Show more

 • Promoted

Senior Manager, Portfolio Analytics & Insights

Economical Mutual Insurance CompanyToronto, ON, CA
Full-time

Transform portfolio analysis at Definity as the Senior Manager focusing on scenario analysis and insights generation.Lead a dedicated team in achieving data-driven excellence within Personal Insura... Show more

 • Promoted

Senior Manager, Mortgage Retention and HELOC Strategy

EQ BankToronto, ON, CA
Full-time

At EQ, we’re remaking banking so every Canadian gets ahead, every day.Serving nearly 4 million Canadians from coast to coast, we offer a wide variety of financial services from banking and lending ... Show more

 • Promoted

Senior Portfolio Manager: U.S. Equities

Hillsdale Investment Management Inc.toronto, on, Canada
Full-time

Shape the future of portfolio management as a Senior Portfolio Manager specializing in U.Utilize quantitative methods to advance our research capabilities and drive performance.As a key component o... Show more

 • Promoted

Portfolio Manager

Telescope RecruitmentToronto, ON, CA
Full-time

Are you passionate about real estate and committed to delivering exceptional service?.Portfolio Manager - Residential Property Management (Avenue Rd/Bloor, in-person).Must be based in Toronto and a... Show more

 • Promoted

Portfolio Manager

The Successful InvestorToronto, ON, CA
Full-time

PORTFOLIO MANAGER, Successful Investor Wealth Management Inc.We are an established wealth management and investment publishing firm with 25+ years experience in subscription marketing and independe... Show more

 • Promoted

Credit Manager Business Banking and Specialized Lending

DUCA Financial Services Credit Union Ltd.Toronto, ON, CA
Full-time

We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer.Founded in 1954, ... Show more