Manager, Credit Strategy

Role Summary

Join a high-impact team at the forefront of strategic credit decisioning. As a Manager within BMO’s Credit Strategy team, you’ll be instrumental in shaping data-driven risk strategies that elevate portfolio performance and unlock enterprise value. This is a unique opportunity to lead transformative initiatives, optimize Return on Equity (ROE), and collaborate with senior stakeholders to deliver innovative, customer-centric solutions that balance growth, risk, and profitability.

At BMO, we’re more than a bank-we’re a purpose-driven organization committed to Boldly Grow the Good in business and life. As one of North America’s top ten banks, we foster an inclusive, high-performing culture built on integrity, empathy, and innovation. Our Employee Value Proposition centers on personalized career development, competitive rewards, and holistic well-being-mental, physical, social, and financial. We empower our people to shape their future through continuous learning, flexible work arrangements, and vibrant Employee Resource Groups.

Key Responsibilities

Strategic Oversight & Risk Alignment

• Oversee the development and execution of credit strategies for the consumer credit card portfolio, ensuring alignment with enterprise risk appetite, regulatory standards, and governance frameworks.

• Monitor strategy performance and drive timely enhancements based on data-driven insights.

• Ensure consistency, quality, and compliance in strategy design, documentation, and implementation.

• Support audit and governance activities through analysis, reporting, and stakeholder engagement.

Portfolio Optimization

• Develop predictive models, business rules, and analytics to drive portfolio growth and resilience.

• Conduct deep-dive statistical analyses to uncover trends, risks, and opportunities-translating insights into actionable recommendations for senior leadership.

• Ensure end-to-end delivery of high-impact projects aligned to business goals.

Stakeholder Engagement

• Serve as a strategic advisor to cross-functional teams including credit, finance, product, and operations.

• Support change management efforts, including readiness assessments, testing, and implementation of new strategies.

Innovation & Thought Leadership

• Stay ahead of industry trends, regulatory shifts, and competitive dynamics to inform strategy.

• Contribute to a culture of innovation and continuous improvement in credit strategy development.

Qualifications

• Graduate degree in Economics, Business, Engineering, Mathematics, Finance, Data Science, or a related discipline.

• 3+ years of experience in credit strategy development, risk analytics, portfolio management or related analytics field.

• Strong understanding of credit products, risk systems, and regulatory frameworks.

• Proven track record of leading cross-functional initiatives and delivering strategic outcomes.

• Expertise in ROE analysis and implementing strategies that enhance financial performance.

• Advanced technical skills in SAS, SQL, Python, or R.

• Exceptional communication and stakeholder engagement skills, with the ability to influence across business lines.

• High initiative, adaptability, and ownership in a dynamic, fast-paced environment.

What You’ll Gain

• A strategic leadership role with direct impact on credit decisions and portfolio performance.

• Opportunities to lead high-visibility projects and shape enterprise-wide strategies.

• A collaborative, inclusive culture that values innovation, integrity, and continuous learning.

• Exposure to senior leadership and cross-functional teams across the organization.

• A platform to accelerate your career in a forward-thinking institution committed to excellence and innovation.