Director, Business Banking Lending Acquisition & Account Management

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.

Director, Business Banking Lending Acquisition & Account Management

This role leads the design, development, and execution of advanced credit acquisition and account management strategies across the full suite of Business Banking lending products. It is accountable for driving high‑quality credit growth, elevating client experience, and strengthening portfolio resilience through next‑generation decisioning, adjudication excellence, and data‑driven strategy design.

Leveraging state‑of‑the‑art decision‑tree technology, machine‑learning‑enabled models, and optimization platforms, the Director shapes how lending decisions are made across multiple Business Banking channels, including digital, branch, and relationship management. Acting as both a strategic leader and hands‑on practitioner, the role sets strategy across the full lending lifecycle from acquisition and adjudication through exposure management, behavioural segmentation, early‑warning interventions, and ongoing client management.

As a designated model user, the Director provides critical direction on the use of risk models, scores, and analytical signals that differentiate business credit risk. They partner closely with model development, credit adjudication, and channel leadership to ensure strategies are effective, well‑governed, and aligned to Business Banking’s risk appetite and growth objectives.

Key Responsibilities

Strategy Design & Optimization

• Build and optimize end‑to‑end Business Banking lending acquisition and account management strategies using advanced decision‑tree and optimization platforms.
• Align interventions to growth, profitability, risk appetite, and client experience objectives.
• Ensure adjudication strategies consistently support fair, efficient, and scalable lending decisions.

Adjudication Leadership Across Channels

• Lead the design and calibration of adjudication strategies deployed across all Business Banking channels, including digital decisioning, branch and advisor‑led lending, centralized underwriting, and specialized credit teams.
• Ensure consistency, transparency, and efficiency in lending decisions across channels while accounting for unique segment and product needs.

Model Use & Credit Intelligence

• Serve as a primary model user, guiding how models, scores, and analytical signals are interpreted and incorporated into acquisition and account management strategies.
• Partner with model developers to integrate new and enhanced risk tools into strategy logic, ensuring proper calibration and governance.

Analytical Innovation & Ideation

• Identify and champion new analytical tools, behavioural scores, challenger models, and alternative data sources to improve predictive accuracy and decision quality.
• Lead ideation of segmentation schemes and decision pathways that unlock incremental value.

Champion–Challenger Framework Leadership

• Lead structured experimentation to evaluate, iterate, and scale new acquisition treatments, adjudication pathways, and account management strategies.
• Drive continuous improvement through evidence‑based strategy refinement.

Lifecycle Strategy Ownership

• Own strategy design for credit limits, exposure optimization, early‑warning treatments, pre‑delinquency interventions, and portfolio‑level risk mitigation.
• Partner with Business Banking Acquisition, Collections, and Product teams to ensure aligned actions across the customer lifecycle.

Technology & Execution Partnership

• Collaborate with Technology, Analytics, Underwriting, and Operations to translate complex strategy logic into deployable decision rules.
• Ensure technical feasibility, model governance alignment, and operational integrity across systems and platforms.

Portfolio Monitoring & Insights

• Deliver deep, data‑driven insights on portfolio performance, channel trends, client behaviour, and emerging risks.
• Recommend proactive adjustments to maintain outcomes within risk appetite.

Governance, Policy & Regulatory Alignment

• Ensure all strategies comply with credit policy, regulatory expectations, and model governance standards.
• Lead documentation, monitoring, and validation of strategy effectiveness.

Cross‑Functional Influence & Leadership

• Act as a strategic advisor to senior Business Banking and enterprise leaders.
• Influence decisions related to credit policy, product design, client experience, and risk appetite across business units.

Qualifications & Experience

• Extensive experience in Business Banking lending, including acquisition, adjudication, and/or lifecycle account management strategy.
• Advanced understanding of consumer and/or credit risk modelling, business financial analysis, and model‑enabled decisioning.
• Proficiency with decision engines, decision‑tree and optimization software, and analytical platforms (e.g., FICO, SAS, ARGOSS, ML scoring systems).
• Strong analytical, strategic, and problem‑solving skills with the ability to translate insights into executable strategies.
• Proven ability to lead large, cross‑functional initiatives and influence senior stakeholders.
• Deep familiarity with credit policy, regulatory frameworks, and model governance.
• Demonstrated commitment to innovation, testing culture, and continuous improvement.

Salary

$110,500.00 - $192,500.00

Pay Type

Salaried

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

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