Senior Manager, Real Estate Secured Lending Account Management

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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.

The Senior Manager, Real Estate Secured Lending Account Management plays a key leadership role in shaping and guiding renewal and engagement strategies that support portfolio performance, customer resilience, and overall experience within the end‑to‑end Real Estate Secured Lending portfolio. This position combines strategic thinking with hands‑on partnership across Product, Risk, Pricing, and Analytics to strengthen retention, enhance credit quality, advance renewals, and support prudent portfolio management. Working closely with Product and Risk, the Senior Manager helps design scalable, automated lifecycle strategies grounded in customer insights, portfolio needs, and risk considerations. The role ensures our strategies evolve alongside changing customer behaviours, housing and interest‑rate dynamics, regulatory expectations, and competitive market forces.

Key Responsibilities

Lifecycle Strategy Development & Execution

• Shape and advance customer‑level account‑management strategies that span the full lifecycle - from early insights through renewals - ensuring they reflect customer needs, portfolio priorities, and sound risk practices.

• Develop strategies that bring together customer experience, retention goals, portfolio performance, and credit integrity across all secured‑lending segments.

• Translate insights on collateral-risk, payment behaviour, and customer attributes into thoughtful, targeted interventions.

Renewals Strategy Leadership

• Guide the development of renewal strategies that strengthen retention and uphold risk‑appetite principles while protecting margin.

• Collaborate closely with Product, Distribution, Pricing, and Risk to refine renewal journeys, improve engagement, and streamline decision points across channels.

• Work with partners to modernize and optimize renewal workflows, including automated processes and exception‑handling pathways.

Model Application & Interpretation

• Act as a key model user, applying secured‑lending models such as behaviour scores, property valuation models (AVMs), collateral risk tiers, and early‑warning indicators.

• Ensure models are properly interpreted and embedded in treatment segmentation, exposure management, and renewal decisioning.

Champion-Challenger Testing

• Design and guide structured test‑and‑learn programs to evaluate enhancements in renewal treatments, pricing considerations, customer journeys, and segmentation approaches.

• Assess and communicate impacts on retention, customer experience, risk outcomes, and portfolio yield to support evidence‑based decisions.

Technology & Deployment Partnership

• Partner with Technology, Product, and Analytics teams to translate strategy into deployable decision rules, digital capabilities, and automated workflows.

• Ensure technical feasibility, governance alignment, and smooth operational integration across systems and channels.

Portfolio Monitoring & Reporting

• Monitor in‑force portfolio health, including trends in delinquency, renewal conversion, prepayment behaviour, attrition, and customer engagement.

• Provide proactive insights and recommend strategic adjustments that maintain performance within risk appetite.

Governance, Risk & Compliance

• Ensure renewal and account‑management strategies adhere to credit policy, regulatory requirements, customer‑protection standards, and prudent governance practices.

• Maintain oversight documentation and contribute to compliance routines and control frameworks.

#FutureOfRetailLending

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.