Manager, Credit Strategy, Consumer Credit Cards
Top Benefits
About the role
Application Deadline: 12/11/2025
Address: 33 Dundas Street West
Job Family Group: Audit, Risk & Compliance
Role Summary
Join a high-impact team at the forefront of strategic credit decisioning. As a Manager within BMO’s Credit Strategy team, you’ll be instrumental in shaping data-driven risk strategies that elevate portfolio performance and unlock enterprise value. This is a unique opportunity to lead transformative initiatives, optimize Return on Equity (ROE), and collaborate with senior stakeholders to deliver innovative, customer-centric solutions that balance growth, risk, and profitability.
At BMO, we’re more than a bank—we’re a purpose-driven organization committed to Boldly Grow the Good in business and life. As one of North America’s top ten banks, we foster an inclusive, high-performing culture built on integrity, empathy, and innovation. Our Employee Value Proposition centers on personalized career development, competitive rewards, and holistic well- being—mental, physical, social, and financial. We empower our people to shape their future through continuous learning, flexible work arrangements, and vibrant Employee Resource Groups.
Key Responsibilities
Strategic Oversight & Risk Alignment
- Oversee the development and execution of credit strategies for the consumer credit card portfolio, ensuring alignment with enterprise risk appetite, regulatory standards, and governance frameworks.
- Monitor strategy performance and drive timely enhancements based on data-driven insights.
- Ensure consistency, quality, and compliance in strategy design, documentation, and implementation.
- Support audit and governance activities through analysis, reporting, and stakeholder engagement.
Portfolio Optimization
- Develop predictive models, business rules, and analytics to drive portfolio growth and resilience.
- Conduct deep-dive statistical analyses to uncover trends, risks, and opportunities—translating insights into actionable recommendations for senior leadership.
- Ensure end-to-end delivery of high-impact projects aligned to business goals.
Stakeholder Engagement
- Serve as a strategic advisor to cross-functional teams including credit, finance, product, and operations.
- Support change management efforts, including readiness assessments, testing, and implementation of new strategies.
Innovation & Thought Leadership
- Stay ahead of industry trends, regulatory shifts, and competitive dynamics to inform strategy.
- Contribute to a culture of innovation and continuous improvement in credit strategy development.
Qualifications
- Graduate degree in Economics, Business, Engineering, Mathematics, Finance, Data Science, or a related discipline.
- 3+ years of experience in credit strategy development, risk analytics, portfolio management or related analytics field.
- Strong understanding of credit products, risk systems, and regulatory frameworks.
- Proven track record of leading cross-functional initiatives and delivering strategic outcomes.
- Expertise in ROE analysis and implementing strategies that enhance financial performance.
- Advanced technical skills in SAS, SQL, Python, or R.
- Exceptional communication and stakeholder engagement skills, with the ability to influence across business lines.
- High initiative, adaptability, and ownership in a dynamic, fast-paced environment.
What You’ll Gain
- A strategic leadership role with direct impact on credit decisions and portfolio performance.
- Opportunities to lead high-visibility projects and shape enterprise-wide strategies.
- A collaborative, inclusive culture that values innovation, integrity, and continuous learning.
- Exposure to senior leadership and cross-functional teams across the organization.
- A platform to accelerate your career in a forward-thinking institution committed to excellence and innovation.
About Desjardins
Desjardins Group is the largest cooperative financial group in North America and the fifth largest cooperative financial group in the world, with assets of $435.8 billion as at March 31, 2024. It was named one of Canada's Best Employers by Forbes magazine and by Mediacorp. To meet the diverse needs of its members and clients, Desjardins offers a full range of products and services to individuals and businesses through its extensive distribution network, online platforms and subsidiaries across Canada. Ranked among the world's strongest banks according to The Banker magazine, Desjardins has some of the highest capital ratios and credit ratings in the industry and the first according to Bloomberg News.
Manager, Credit Strategy, Consumer Credit Cards
Top Benefits
About the role
Application Deadline: 12/11/2025
Address: 33 Dundas Street West
Job Family Group: Audit, Risk & Compliance
Role Summary
Join a high-impact team at the forefront of strategic credit decisioning. As a Manager within BMO’s Credit Strategy team, you’ll be instrumental in shaping data-driven risk strategies that elevate portfolio performance and unlock enterprise value. This is a unique opportunity to lead transformative initiatives, optimize Return on Equity (ROE), and collaborate with senior stakeholders to deliver innovative, customer-centric solutions that balance growth, risk, and profitability.
At BMO, we’re more than a bank—we’re a purpose-driven organization committed to Boldly Grow the Good in business and life. As one of North America’s top ten banks, we foster an inclusive, high-performing culture built on integrity, empathy, and innovation. Our Employee Value Proposition centers on personalized career development, competitive rewards, and holistic well- being—mental, physical, social, and financial. We empower our people to shape their future through continuous learning, flexible work arrangements, and vibrant Employee Resource Groups.
Key Responsibilities
Strategic Oversight & Risk Alignment
- Oversee the development and execution of credit strategies for the consumer credit card portfolio, ensuring alignment with enterprise risk appetite, regulatory standards, and governance frameworks.
- Monitor strategy performance and drive timely enhancements based on data-driven insights.
- Ensure consistency, quality, and compliance in strategy design, documentation, and implementation.
- Support audit and governance activities through analysis, reporting, and stakeholder engagement.
Portfolio Optimization
- Develop predictive models, business rules, and analytics to drive portfolio growth and resilience.
- Conduct deep-dive statistical analyses to uncover trends, risks, and opportunities—translating insights into actionable recommendations for senior leadership.
- Ensure end-to-end delivery of high-impact projects aligned to business goals.
Stakeholder Engagement
- Serve as a strategic advisor to cross-functional teams including credit, finance, product, and operations.
- Support change management efforts, including readiness assessments, testing, and implementation of new strategies.
Innovation & Thought Leadership
- Stay ahead of industry trends, regulatory shifts, and competitive dynamics to inform strategy.
- Contribute to a culture of innovation and continuous improvement in credit strategy development.
Qualifications
- Graduate degree in Economics, Business, Engineering, Mathematics, Finance, Data Science, or a related discipline.
- 3+ years of experience in credit strategy development, risk analytics, portfolio management or related analytics field.
- Strong understanding of credit products, risk systems, and regulatory frameworks.
- Proven track record of leading cross-functional initiatives and delivering strategic outcomes.
- Expertise in ROE analysis and implementing strategies that enhance financial performance.
- Advanced technical skills in SAS, SQL, Python, or R.
- Exceptional communication and stakeholder engagement skills, with the ability to influence across business lines.
- High initiative, adaptability, and ownership in a dynamic, fast-paced environment.
What You’ll Gain
- A strategic leadership role with direct impact on credit decisions and portfolio performance.
- Opportunities to lead high-visibility projects and shape enterprise-wide strategies.
- A collaborative, inclusive culture that values innovation, integrity, and continuous learning.
- Exposure to senior leadership and cross-functional teams across the organization.
- A platform to accelerate your career in a forward-thinking institution committed to excellence and innovation.
About Desjardins
Desjardins Group is the largest cooperative financial group in North America and the fifth largest cooperative financial group in the world, with assets of $435.8 billion as at March 31, 2024. It was named one of Canada's Best Employers by Forbes magazine and by Mediacorp. To meet the diverse needs of its members and clients, Desjardins offers a full range of products and services to individuals and businesses through its extensive distribution network, online platforms and subsidiaries across Canada. Ranked among the world's strongest banks according to The Banker magazine, Desjardins has some of the highest capital ratios and credit ratings in the industry and the first according to Bloomberg News.