Head, North American Provisioning & Risk Analytics

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The Head North American Provisioning & Risk Analytics is accountable for leading credit loss provisioning and advanced analytics for Retail and Business Banking portfolios across North America. This role provides deep subject matter expertise in credit loss forecasting model oversight portfolio analytics and risk insights in support of financial reporting risk management and enterprise governance.

The role operates at a senior enterprise-wide level and partners closely with Risk Finance Collections and business leaders to ensure accurate transparent and well-governed provisioning outcomes under applicable regulatory frameworks (e.g. CECL IFRS).

Key Accountabilities

• Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios ensuring accuracy consistency and regulatory compliance.

• Oversee credit loss estimation recovery analytics and model performance ensuring alignment with portfolio characteristics and macroeconomic conditions.

• Lead scenario-based loss analytics stress testing and forward-looking assessments to inform portfolio risk insights and financial outcomes.

• Provide expert oversight of provisioning models methodologies assumptions and controls supporting audit model risk and regulatory expectations.

• Lead integration of provisioning analytics for new portfolios and acquisitions identifying gaps best practices and capacity requirements.

• Drive standardization and consistency of provisioning approaches across Retail entities to support risk appetite measurement and management.

• Define business requirements for provisioning analytics reporting and data infrastructure to enable highquality insights and decision support.

• Provide second-line oversight and analytical challenge related to Collections performance and outcomes.

• Partner with Finance Risk and business teams to assess the credit loss impact of portfolio changes asset movements or operating decisions.

• Act as a senior subject matter expert on provisioning and credit loss analytics providing guidance and effective challenge to stakeholders.

• Operate as a trusted advisor to senior leaders on credit loss trends emerging risks and portfolio performance.

Leadership & Governance

• Lead and develop a high-performing team with diverse risk analytics and business expertise.

• Foster a strong risk culture by promoting accountability transparency and constructive challenge.

• Ensure activities comply with the Banks Risk Appetite framework internal policies and all applicable regulatory requirements.

• Contribute to enterprise governance through participation in relevant committees forums and reviews as a senior specialist resource.

• Promote continuous improvement automation and simplicity in provisioning and analytics processes.

Culture & People Leadership

• Build an inclusive engaged and high-performance team environment.

• Support talent development coaching and succession planning.

• Role model the Banks values leadership expectations and commitment to diversity equity and inclusion.

• Drive collaboration across teams and functions to achieve shared outcomes.

Qualifications

• Typically 9 years of progressive experience in credit risk provisioning analytics or related disciplines.

• Post-secondary degree in a relevant field or an equivalent combination of education and experience.

• Deep expertise in credit loss provisioning frameworks and analytics.

• Strong analytical problem-solving and data-driven decision-making skills.

• Exceptional communication and influencing skills with senior stakeholders.

• Proven ability to operate effectively in complex regulated environments and manage ambiguity.

• Recognized technical leader with strong industry knowledge.

Please note the base salary range for this position is Cdn $165K to Cdn $195K

The above represents BMO Financial Groups 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 Groups expected target for the first year in this position.

BMO Financial Groups 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: 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. Well 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 well help you gain valuable experience and broaden your skillset.

To find out more visit us at is committed to an inclusive equitable and accessible workplace. By learning from each others 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.