Director, Decision Science Canada

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The Director Decision Science Canada will lead a team of decision scientists responsible for developing deploying and optimizing credit risk models across the customer lifecycle. This role owns adjudication account management and collections analytics ensuring models are productionready compliant and deliver strong business outcomes. The ideal candidate brings deep credit risk expertise strong people leadership and the ability to apply advanced analytics ML and AI where appropriate.

Key Responsibilities

• Lead mentor and develop a highperforming team of 10 decision science professionals.

• Own endtoend development of underwriting account management and collections models.

• Drive bestinclass modeling practices including reject inference WoE binning IV analysis and scorecard development.

• Partner with Technology and Product to ensure seamless modeltoproduction deployment monitoring and governance.

• Oversee data preparation feature engineering and rigorous data cleaning using internal and credit bureau data.

• Monitor model performance stability and drift; lead recalibration and enhancement efforts.

• Apply machine learning and AI techniques selectively to improve predictive power while maintaining explainability and regulatory alignment.

• Communicate insights and recommendations to senior leadership and key stakeholders.

Qualifications

• MS or PhD in Statistics Mathematics Economics Data Science Computer Science or related field.

• 7 years of experience in credit risk modeling within financial services or fintech.

• Proven experience building and deploying models for adjudication account management and collections.

• Strong expertise in data cleaning reject inference WoE binning and credit bureau data usage.

• Handson experience taking models from design through production implementation.

• Proficiency with analytics tools such as Python R SQL or SAS.

• Demonstrated people leadership and ability to influence crossfunctional partners.

Nice to Have

• Experience with ML/AI models in regulated credit environments.

• Familiarity with Canadian credit market and regulatory expectations.

• Exposure to modern MLOps and cloudbased analytics platforms.

This hybrid role requires inoffice collaboration a minimum of three days per week.

If youre looking for your next dream job consider this one in BMOs Enterprise Risk Group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks working together to maintain a risk management framework and fostering a strong risk culture. #ERPMDreamJobs

Applies mathematical and statistical methods to financial and risk management problems (e.g. internal controls; enterprise-wide stress testing and scenario analysis; capital modelling; valuations). Through quantitative analytical modelling identifies important factors to consider for financial disaster and recovery plans. Conducts research and creates tools that use data to develop scenario-based planning and implements complex mathematical models to help the business make better financial and financial decisions (e.g. investments pricing etc.) drive innovation and minimize the impact of uncertainty.

• Develops pricing and quantitative risk models for an assigned portfolio e.g. fixed income corporate credit and loans.

• Monitors risk in strategies and portfolios alongside project managers or functional leads.

• Conducts research and develops tools that use data to make better financial decisions; such as: investments pricing etc.

• Applies knowledge of risk assessment and controls along with extensive understanding of industry compliance standards and regulations.

• Identifies ways of mitigating potential risks; recommends and implements solutions based on analysis of issues and implications for the business.

• Documents data flow systems and processes to improve the design implementation and management of business/group processes.

• Conducts quantitative research in risks across strategies and portfolios.

• Fosters a culture aligned to BMO purpose values and strategy and role models BMO values and behaviours in all that they do.

• Ensures alignment between values and behaviour that fosters diversity and inclusion.

• Regularly connects work to BMOs purpose sets inspirational goals defines clear expected outcomes and ensures clear accountability for follow through.

• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.

• Attracts retains and enables the career development of top talent.

• Improves team performance recognizes and rewards performance coaches employees supports their development and manages poor performance.

• Operates at a group/enterprise-wide level and serves as a senior specialist resource across BMO.

• Influences how teams/groups work together.

• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to multiple interdependent complex problems.

• Communicates abstract concepts in simple terms.

• Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives.

• Anticipates trends and responds by implementing appropriate changes.

• Broader work or accountabilities may be assigned as needed.

• Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role in line with our Risk Culture and within our approved Risk Appetite making sound and risk informed decisions that align to business strategy protect assets and adhere to applicable policy documents (Frameworks Policies Standards Procedures and Supporting documents) laws and regulations.

Qualifications:

Advanced level of proficiency:

• Regulatory capital and stress testing.

• Compliance and regulation.

• Machine learning.

• Learning Agility.

Expert level of proficiency:

• Model risk management.

• Data visualization.

• Data wrangling.

• Data preprocessing.

• Critical thinking.

• Driving Results.

• Quantitative financial modeling.

• Computational thinking and programming.

• Verbal & written communication skills.

• Analytical and problem solving skills.

• Collaboration & team skills; with a focus on cross-group collaboration.

• Able to manage ambiguity.

• Data driven decision making.

• Typically 9 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

• Seasoned expert with extensive industry knowledge.

• Technical leader viewed as a thought leader for innovation.

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.