Product Manager, Savings - Everyday Banking Products

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The Product Manager, Savings is part of the Day-to-Day Banking Products team within Canadian Personal Banking and reports to the Senior Manager, Savings. This role helps enable the performance and continued evolution of BMO’s Savings portfolio by strengthening product capabilities, pricing and policy execution, operational effectiveness, controls, reporting, and frontline support.

The role contributes to customer experience, portfolio performance, and sustainable P&L outcomes by helping the business execute effectively and making better-informed decisions. This includes identifying operational pain points and root causes, improving processes and controls, and using data, automation, and technology to reduce manual effort, strengthen service levels, and address recurring customer and frontline issues.

Success requires strong analytical and technical skills, sound product judgment, and a hands-on approach to execution. The Product Manager will work closely with partners across Frontline, Operations, Technology, Digital, Finance, Risk, Compliance, Legal, Analytics, Marketing, and other product teams to deliver practical improvements that support customers, employees, portfolio economics, and long-term business performance.

· Define business requirements and support the design, delivery, testing, launch, and ongoing management of new Savings product and offer capabilities.

· Translate business, customer, frontline, operational, and control needs into clear requirements, process designs, and implementation plans.

· Identify opportunities to simplify or modernize existing capabilities, including workflows, tools, controls, and customer or employee experiences.

· Partner with Technology, Digital, Operations, and other delivery teams to ensure solutions are scalable, supportable, and aligned with business objectives.

· Support end-to-end management of Savings pricing, including interest rates, promotional offers, service charges, and fees, with consideration for customer value, competitive positioning, and portfolio economics.

· Conduct pricing, performance, customer, and financial analysis to inform recommendations that support balance growth, revenue, net interest income, and sustainable portfolio profitability.

· Coordinate pricing changes across governance, approvals, system implementation, communication, validation, and post-implementation monitoring.

· Develop business cases and executive-ready recommendations that clearly articulate customer, financial, operational, and risk impacts.

· Develop and enhance recurring reporting, dashboards, and management information for portfolio performance, pricing, risk, service levels, and escalations.

· Use advanced Excel, SQL or similar data-querying skills, and visualization tools such as Power BI to analyze data and generate actionable insights.

· Improve data quality, reporting accuracy, automation, and self-serve access to information for the Savings team and key partners.

· Use Microsoft Power Automate and related tools to streamline manual workflows, notifications, approvals, tracking, and recurring team processes.

· Establish clear metrics and monitoring to measure whether process and capability improvements are reducing effort, escalation volume, and turnaround times.

· Support the effective management of complex Savings customer and frontline issues requiring product, policy, pricing, process, or system expertise.

· Coordinate investigation and resolution with frontline, operations, technology, risk, and other partners, while maintaining clear ownership, communication, and appropriate customer and business outcomes.

· Use operational data, service-level performance, customer feedback, and recurring issue themes to identify root causes and broader improvement opportunities.

· Support sustainable improvements through process redesign, automation, clearer policies, stronger controls, frontline guidance, training, or system enhancements.

· Build feedback loops and reporting that demonstrate improvements in operational efficiency, service levels, issue prevention, and customer and employee experiences.

· Build strong relationships with branch, contact centre, digital, and operational partners to understand pain points and improve how Savings products are supported and serviced.

· Provide clear product guidance and support the development of frontline communications, job aids, procedures, and training materials.

· Create structured channels for frontline feedback and use insights to inform product, policy, process, and capability improvements.

· Represent the Savings product team in operational forums and ensure frontline impacts are considered in business decisions.

· 3+ years of experience in retail banking product management, product operations, business analysis, operations, process improvement, or a related field; financial services experience is strongly preferred.

· Knowledge of retail banking frontline and servicing operations is an asset; familiarity with frontline systems, workflows, and escalation processes is a strong asset.

· Experience translating business and operational needs into requirements, process improvements, controls, reporting, or technology-enabled solutions.

· Experience with product policy, pricing, risk management, operational issue management, and cross-functional delivery.

· Experience developing dashboards, management reporting, performance measures, and executive-ready insights.

· Experience working with large or complex datasets and investigating data, process, or system issues.

· Advanced Microsoft Excel skills, including complex formulas, PivotTables, data validation, data modelling, Power Query, and automation; VBA or macro experience is an asset.

· Working knowledge of SQL or another data-querying or programming language, with the ability to extract, reconcile, analyze, and validate data.

· Hands-on experience creating dashboards and visual reporting using Microsoft Power BI or a comparable business intelligence tool.

· Experience with Microsoft Power Automate and other Microsoft 365 tools to automate workflows and improve team productivity.

· Ability to learn complex products, processes, data, and system environments quickly and apply that knowledge to practical business problems.

· Strong analytical, problem-solving, and root-cause analysis skills, with a bias toward practical, scalable solutions.

· Strong customer and frontline orientation, with sound judgment in managing complex or sensitive escalations.

· Excellent stakeholder management and influencing skills in a cross-functional environment.

· Clear verbal and written communication skills, including the ability to create concise business cases, process documentation, and executive-level presentations.

· Strong organization, ownership, attention to detail, and ability to manage multiple priorities in a fast-paced environment.

· Continuous-improvement mindset, with a demonstrated interest in using data, technology, and automation to reduce manual effort and improve outcomes.

Salaire :

Type de rémunération :

Ce qui précède représente la fourchette et le type de rémunération de BMO Groupe financier.

Les salaires varieront en fonction de facteurs comme l’emplacement, les compétences, l’expérience, les études et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement. Pour les rôles à commission, le salaire susmentionné représente la cible de BMO Groupe financier pour la première année au poste.

La rémunération totale offerte par BMO variera selon le type de rémunération associé au poste et peut comprendre des primes de rendement, des primes discrétionnaires ainsi que d’autres avantages et récompenses. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

À propos de nous

À BMO, nous sommes animés par une raison d’être commune : Avoir le cran de faire une différence dans la vie, comme en affaires. Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance économique partout dans le monde.

En tant que membre de l'équipe de BMO, vous êtes valorisé, respecté et entendu, et vous avez plus de moyens pour progresser et obtenir des résultats. Nous nous efforçons de vous aider à obtenir des résultats dès le premier jour, pour vous-même et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

Pour en savoir plus, visitez-nous à l'adresse https://jobs.bmo.com/ca/fr.

BMO s'engage à offrir un milieu de travail inclusif, équitable et accessible. Nous apprenons de nos différences et tirons notre force des gens et de leurs différents points de vue. Des mesures d’adaptation sont disponibles sur demande pour les candidats qui participent à tous les aspects du processus de sélection. Pour demander des mesures d’adaptation, veuillez communiquer avec votre recruteur.

Remarque aux recruteurs : BMO n’accepte pas les curriculum vitæ non sollicités provenant de toute source autre que le candidat directement. Tout curriculum vitæ non sollicité envoyé à BMO, directement ou indirectement, sera considéré comme la propriété de BMO. BMO ne paiera aucuns frais pour les placements découlant de la réception d’un curriculum vitæ non sollicité. Une agence de recrutement doit d’abord détenir une entente de service écrite valide et dûment signée avant d’envoyer des curriculum vitæ.