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.

The Manager Business Banking Lending Acquisition supports the design enhancement and execution of credit acquisition strategies across the full suite of Business Banking lending products. This role blends analytical capability creditrisk understanding and handson strategy implementation to drive highquality credit growth improve adjudication consistency and support portfolio resilience.

Working closely with Product Risk Credit Adjudication Technology Analytics Distribution and Operations the Manager helps develop scalable acquisition strategies that are datadriven operationally sound and aligned with Business Bankings growth objectives and risk appetite. The role contributes to decisionlogic development experimentation performance monitoring and strategy refinement across digital branch and advisorled channels.

Key Responsibilities

Acquisition Strategy Support & Optimization

• Support the development refinement and execution of endtoend Business Banking lending acquisition strategies across all channels.

• Assist in enhancing segmentation decision logic and credit pathways using rulebased or decisiontree platforms.

• Ensure strategy components support objectives related to growth profitability client experience and creditrisk appetite.

Adjudication Strategy Support Across Channels

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

• Help ensure adjudication logic balances efficiency decision quality and risk integrity.

• Support crosschannel alignment while enabling appropriate routing tiering and referral structures.

Model Use & Credit Intelligence

• Incorporate risk models credit scores behavioural indicators financial ratios and other analytical signals into acquisition decision paths.

• Support proper interpretation of model outputs and work with model developers and Risk partners to ensure alignment with model governance.

Analytical Insights & Innovation

• Conduct analyses to identify opportunities to improve segmentation predictive power decision quality approval consistency and booking yield.

• Provide insights on key funnel metrics including approval rates decline/refer patterns booking quality and productmix shifts.

• Support ideation and evaluation of new acquisition pathways and analytical tools.

ChampionChallenger Testing

• Support the design and execution of structured testandlearn experiments across new treatments adjudication pathways or decision rules.

• Track test performance and provide insights used to refine or scale successful strategies.

Technology Deployment & Execution Partnership

• Translate acquisition strategy logic into deployable decision rules in partnership with Technology Analytics and Underwriting teams.

• Participate in UAT system validation and changemanagement routines to ensure accuracy operational readiness and compliance.

• Maintain documentation related to rulesets strategy design and deployment requirements.

Acquisition Funnel Monitoring & Insights

• Monitor acquisition funnel performance including approval rates booking quality declines/referrals earlylife risk behaviour and competitive dynamics.

• Surface insights on emerging patterns client behaviour and product shifts to support proactive strategy adjustments.

Governance Policy & Regulatory Alignment

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

• Support documentation validation and oversight processes including policy reviews control assessments and audit requirements.

CrossFunctional Collaboration

• Work collaboratively with Product Risk Adjudication Distribution and Operations to support aligned scalable and wellgoverned acquisition decisions.

• Provide clear concise analytical updates and recommendations to partners and leaders.

Qualifications & Experience

Required

• 3 to 5 years of experience in Business Banking lending adjudication credit strategy or acquisitionfocused risk management.

• Strong foundational understanding of business credit risk financial analysis and smalltomidmarket lending fundamentals.

• Experience working with or interpreting credit risk models behavioural indicators scores or segmentation tools.

• Exposure to decision engines decisiontree platforms or optimization tools (e.g. FICO SAS ML scoring systems).

• Demonstrated analytical skills with the ability to translate data into actionable recommendations.

• Strong communication and collaboration abilities across Product Risk Technology and Operations.

Preferred

• Experience supporting crossfunctional initiatives in Business Banking.

• Experience working with funnel analytics MIS reporting or production decisioning platforms.

• Familiarity with regulatory expectations and modelgovernance principles.

#FutureOfRetailLending

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.