Address:

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

We’re building next-generation, end-to-end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored 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 you’re 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, credit‑risk understanding, and hands‑on strategy implementation to drive high‑quality 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 data‑driven, operationally sound, and aligned with Business Banking’s growth objectives and risk appetite. The role contributes to decision‑logic development, experimentation, performance monitoring, and strategy refinement across digital, branch, and advisor‑led channels.

Key Responsibilities

Acquisition Strategy Support & Optimization

• Support the development, refinement, and execution of end‑to‑end Business Banking lending acquisition strategies across all channels.

• Assist in enhancing segmentation, decision logic, and credit pathways using rule‑based or decision‑tree platforms.

• Ensure strategy components support objectives related to growth, profitability, client experience, and credit‑risk 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 cross‑channel 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 product‑mix shifts.

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

Champion–Challenger Testing

• Support the design and execution of structured test‑and‑learn 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 change‑management routines to ensure accuracy, operational readiness, and compliance.

• Maintain documentation related to rule‑sets, strategy design, and deployment requirements.

Acquisition Funnel Monitoring & Insights

• Monitor acquisition funnel performance, including approval rates, booking quality, declines/referrals, early‑life 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 model‑governance expectations.

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

Cross‑Functional Collaboration

• Work collaboratively with Product, Risk, Adjudication, Distribution, and Operations to support aligned, scalable, and well‑governed 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 acquisition‑focused risk management.

• Strong foundational understanding of business credit risk, financial analysis, and small‑to‑mid‑market lending fundamentals.

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

• Exposure to decision engines, decision‑tree 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 cross‑functional initiatives in Business Banking.

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

• Familiarity with regulatory expectations and model‑governance principles.

#FutureOfRetailLending

The above represents BMO Financial Group’s 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 Group’s expected target for the first year in this position.

BMO Financial Group’s 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: https://jobs.bmo.com/global/en/Total-Rewards

About 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. We’ll 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, we’ll help you gain valuable experience, and broaden your skillset.

To find out more visit us at https://jobs.bmo.com/ca/en.

BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s 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.