Senior Manager, Business Banking Lending Acquisition

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Join a pioneering team shaping the future of Canadian Retail Credit Strategies.

Were building next-generation end-to-end credit solutions that span the entire lifecyclefrom acquisition and account management to collectionsanchored 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 youre 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.

#FutureOfRetailLending

The Senior Manager Business Banking Lending Acquisition plays a pivotal role in designing developing and executing advanced credit acquisition strategies across the full suite of Business Banking lending products. This role drives highquality credit growth elevates client experience and supports portfolio resilience through nextgeneration decisioning adjudication excellence and datadriven strategy design. Acting as both a strategic thinker and handson analytical practitioner the Senior Manager partners closely with Product Risk Credit Adjudication Technology Analytics Distribution and Operations to deliver scalable automated acquisition strategies. Leveraging modern decision tree platforms machinelearningenabled models and optimization tools the Senior Manager ensures lending decisions across digital branch and advisorled channels are fair efficient consistent and aligned with Business Bankings risk appetite and growth ambitions.

Key Responsibilities

Acquisition Strategy Design & Optimization

• Design implement and optimize endtoend Business Banking lending acquisition strategies using advanced decision tree segmentation and optimization platforms.

• Align interventions to growth profitability creditrisk appetite and clientexperience objectives.

• Refine credit pathways and decision logic to ensure scalable transparent and consistent outcomes across all acquisition channels.

Adjudication Strategy Leadership Across Channels

• Support the design and calibration of adjudication strategies across digital branch/advisor centralized underwriting and specialized credit teams.

• Ensure adjudication logic balances speed quality and risk integrity while accommodating the needs of diverse Business Banking segments and products.

• Maintain alignment across channels while enabling appropriate tiering routing and exceptions frameworks.

Model Use & Credit Intelligence

• Act as a designated model user incorporating risk models scores behavioural indicators and analytical signals into acquisition strategy logic.

• Partner with model developers to integrate new or enhanced risk tools ensuring appropriate calibration interpretation and governance.

Analytical Innovation & Ideation

• Identify opportunities to introduce new analytical tools segmentation techniques challenger models or alternative data sources to improve predictive power and decision quality.

• Lead ideation of new acquisition pathways that unlock lift in approval quality booking yield or conversion efficiency.

ChampionChallenger Strategy Testing

• Design and execute structured experimentation to evaluate new acquisition treatments adjudication pathways automated decisioning rules and creditpolicy variations.

• Use evidencebased insights to iterate and scale successful strategies.

Technology & Execution Partnership

• Collaborate with Technology Analytics Underwriting and Operations to translate strategy logic into deployable automated decision rules.

• Ensure technical feasibility modelgovernance alignment operational integrity and strong changemanagement discipline.

Acquisition Funnel Monitoring & Insights

• Monitor and analyze acquisition funnel performance including approval rates booking quality decline/refer patterns product mix shifts and competitive dynamics.

• Deliver insights on emerging trends client behaviour and earlylife risk performance to inform proactive strategy refinement.

Governance Policy & Regulatory Alignment

• Ensure all acquisition strategies comply with credit policy regulatory expectations and modelgovernance standards.

• Lead or contribute to documentation monitoring validation and oversight activities supporting credit strategy governance.

CrossFunctional Leadership & Influence

• Act as a strategic advisor to partners across Business Banking.

• Influence decisions related to credit policy product design channel strategy adjudication frameworks and risk appetite.

Qualifications & Experience

• Extensive experience in Business Banking lending with a focus on acquisition adjudication and/or creditstrategy design.

• Advanced understanding of business credit risk modelling financial analysis and modelenabled decisioning.

• Proficiency with decision engines decisiontree and optimization platforms and analytical tools (e.g. FICO SAS ARGOSS ML scoring systems).

• Strong analytical and strategic problemsolving skills with proven ability to convert insights into executable strategies.

• Demonstrated ability to lead crossfunctional initiatives and influence senior stakeholders.

• Deep knowledge of credit policy regulatory frameworks and model governance.

• Strong commitment to innovation testandlearn culture and continuous improvement.

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.