Senior Manager, Collections Strategy & Decisioning

Final date to receive applications:07/01/2026

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.#Future Of Retail Lending Lead  the design, deployment, and optimization of collections and recoveries strategies across the lifecycle using advanced analytics (e.g., SAS, Knowledge ENTERPRISE) and decision engines (FICO TRIAD, FICO Decision Management, CGI Strata). Drive data-led decisions to improve recoveries, reduce losses, and increase operational efficiency.

Key Responsibilities Design and optimize end-to-end collections strategies (early-stage through recoveries) using decision engines, predictive models, and business rules.

Own the full strategy lifecycle: design, simulation, testing, deployment, and performance monitoring.

Translate business objectives (risk, profitability, customer outcomes) into effective decision strategies.

Lead change management for strategy updates, including impact analysis, testing, and governance.

Leverage internal and external data (core banking, collections systems, bureaus, agencies, legal vendors) to enhance decisioning.

Partner with Risk, Operations, Technology, and external vendors to deliver and optimize strategies.

Deliver clear, executive-level insights and recommendations grounded in data.

Ensure strategies align with regulatory requirements and risk governance standards.

Qualifications7+ years in collections strategy, risk decisioning, or analytics within financial services.

Hands-on experience with decision engines (FICO TRIAD, FICO DM, CGI Strata, or similar).Strong end-to-end collections expertise, including recoveries.

Solid analytics background with hands-on SQL, SAS, or equivalent.

Proven track record designing, testing, and deploying strategies ong stakeholder management and influencing skills; able to simplify complex concepts.

Good understanding of risk management, portfolio economics, and regulatory requirements.

Salary :$86,000.00 - $

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:  UsAt 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.…