Senior Manager, Monitoring & Customer Insights

Application Deadline:

06/04/2026

Address:

33 Dundas Street West

Job Family Group:

Audit, Risk & Compliance

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 decision-making 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.

• Job Description

  The Senior Manager, Monitoring & Customer Insights transforms data into decision‑ready insight across the customer credit lifecycle —from acquisition and underwriting through account management, fraud, and collections—across Consumer and Business Banking credit products.

  You will own monitoring and insight generation for assigned portfolios or product segments , build early‑warning indicators, and translate trends into clear recommendations that inform credit decisions, portfolio strategy, and customer treatment design. You combine hands‑on analytics with strong business acumen and compelling storytelling to drive responsible growth, portfolio resilience, and an exceptional customer experience.

  Key Responsibilities

  1) Portfolio Monitoring & Insight Generation

  • Operate the end‑to‑end monitoring framework for your assigned retail and/or business credit portfolios, delivering clear, actionable insights to product and risk leaders.
  • Detect emerging risks and behavioral trends across the lifecycle: acquisition quality, early‑warning indicators, fraud patterns, payment behaviors, hardship programs, and collections outcomes.
  • Maintain a KPI/KRI library (e.g., risk‑adjusted growth, delinquency/roll rates, loss rates, exposure, vintage performance, fraud typologies, macro sensitivities) with clear definitions and thresholds.
  • Produce monthly and ad‑hoc portfolio health reads highlighting what’s happening, why it matters, and recommended actions.

  2) Credit Lifecycle Analytics & Decision Support

  • Develop a connected lifecycle view that links acquisition risk profiles, account‑management actions (e.g., limit management, pricing, treatments), fraud signals, payment performance, and collections outcomes.
  • Partner with Credit Risk, Product, Marketing, Fraud, and Collections to translate insights into strategy adjustments, treatment design, champion/challenger tests , or policy changes.
  • Stand up monitoring for new products, policy changes, and strategy deployments to enable early feedback loops and rapid course‑correction.

  3) Executive‑Ready Reporting & Influence

  • Build executive‑ready stories and dashboards that surface risks, opportunities, and trade‑offs; tailor messages for forums such as Product/Credit Councils, Finance reviews, and Risk updates.
  • Distill complex analysis into concise narratives with a clear POV and next‑best actions; quantify expected impact and measurement plans.

  4) Advanced Analytics, Models & Tools

  • Apply advanced analytics (behavioral scoring, predictive indicators, segmentation, survival/roll‑rate modeling, stress indicators) to improve early‑warning and decision quality.
  • Enhance monitoring tools (dashboards, automated alerts, predictive flags) and ensure robust measurement/back‑testing so recommendations are evidence‑based.
  • Partner with model developers and users to operationalize model insights within monitoring and treatment logic; ensure fit‑for‑use and champion/challenger evaluation.

  5) Governance, Risk Alignment & Controls

  • Ensure monitoring and insights align to enterprise risk appetite and comply with internal policies and regulatory expectations.
  • Escalate anomalies quickly with recommended actions and track them through resolution; maintain audit‑ready documentation of metrics, methodologies, and assumptions.
  • Collaborate with 2LOD on enhancements, thematic reviews, and risk reporting alignment.

  6) Leadership, Collaboration & Talent Development

  • Lead small workstreams or a compact team of analysts (as applicable), setting standards for analytical rigor, documentation, and data storytelling.
  • Foster a culture of curiosity, effective challenge, and continuous improvement ; mentor analysts in lifecycle analytics, experimentation, and executive communication.
  • Strengthen cross‑functional partnerships with lending operations, fraud operations, modeling, finance, product, and technology.

  Qualifications

  Must‑Have

  • 7+ years of progressive experience in Credit Risk, Portfolio Management, Lending, or advanced analytics across consumer and/or business credit portfolios.
  • Demonstrated ability to translate complex data into strategic insights and influence stakeholders with concise, decision‑ready narratives .
  • Hands‑on expertise building monitoring frameworks , early‑warning indicators , behavioral segmentation, and performance measurement/back‑testing.
  • Strong business acumen connecting customer behavior, macro factors, operational signals, and portfolio outcomes ; comfortable with trade‑off framing.
  • Proficiency with SQL and at least one of SAS/Python/R ; strong BI skills ( Power BI/Tableau ) for dashboarding and automated reporting.
  • Excellent communication skills—able to brief senior audiences succinctly and coach junior analysts on storytelling with data .

  Nice‑to‑Have

  • Experience with credit decisioning strategies (e.g., limit management, pricing, treatment orchestration) and experimentation (A/B, champion/challenger).
  • Familiarity with model governance/model risk concepts and stress testing; experience integrating model outputs into monitoring and strategies.
  • Knowledge of collections operations, fraud operations , and hardship programs; exposure to macroeconomic scenario analysis .
  • Degree in a quantitative field (e.g., Statistics, Economics, Finance, Data Science); graduate degree an asset. #FutureOfRetailLending

Salary :

$86,000.00 - $160,000.00

Pay Type:

Salaried

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.