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The Director, Unsecured Acquisition Strategies leads the design, development, and execution of advanced credit acquisition across the full suite of Personal Banking lending products. This role is accountable for driving highquality credit growth, elevating client experience, and strengthening portfolio resilience through next generation decisioning, adjudication excellence, and datadriven strategy design.

Leveraging stateoftheart decisiontree technology, machinelearning enabled models, and optimization platforms, the Director shapes how lending decisions are made across multiple Banking channels, including digital, branch and relationship management. Acting as both a strategic leader and handson practitioner, this role sets strategy across the full lending lifecycle from acquisition and adjudication through exposure management, behavioural segmentation, earlywarning interventions, and ongoing client management.

As a designated model user, the Director provides critical direction on the use of risk models, scores, and analytical signals that differentiate business credit risk. They partner closely with model development, credit adjudication, and channel leadership to ensure strategies are effective, wellgoverned, and aligned to Personal Bankings risk appetite and growth objectives.

Key Responsibilities

Strategy Design & Optimization

• Build and optimize endtoend unsecured lending acquisition strategies using advanced decisiontree and optimization platforms.
• Align interventions to growth, profitability, risk appetite, and client experience objectives.
• Ensure adjudication strategies consistently support fair, efficient, and scalable lending decisions.

Adjudication Leadership Across Channels

• Lead the design and calibration of adjudication strategies deployed across all Banking channels, including digital decisioning, branch and advisorled lending, centralized underwriting, and specialized credit teams.
• Ensure consistency, transparency, and efficiency in lending decisions across channels while accounting for unique segment and product needs.

Model Use & Credit Intelligence

• Serve as a primary model user, guiding how models, scores, and analytical signals are interpreted and incorporated into acquisition and account management strategies.
• Partner with model developers to integrate new and enhanced risk tools into strategy logic, ensuring proper calibration and governance.

Analytical Innovation & Ideation

• Identify and champion new analytical tools, behavioural scores, challenger models, and alternative data sources to improve predictive accuracy and decision quality.
• Lead ideation of segmentation schemes and decision pathways that unlock incremental value.

ChampionChallenger Framework Leadership

• Lead structured experimentation to evaluate, iterate, and scale new acquisition treatments, adjudication pathways, and account management strategies.
• Drive continuous improvement through evidencebased strategy refinement.

Lifecycle Strategy Ownership

• Own strategy design for credit limits, exposure optimization, earlywarning treatments and portfoliolevel risk mitigation.
• Partner with Personal Banking Acquisition, Collections, and Product teams to ensure aligned actions across the customer lifecycle.

Technology & Execution Partnership

• Collaborate with Technology, Analytics, Underwriting, and Operations to translate complex strategy logic into deployable decision rules.
• Ensure technical feasibility, model governance alignment, and operational integrity across systems and platforms.

Portfolio Monitoring & Insights

• Deliver deep, datadriven insights on portfolio performance, channel trends, client behaviour, and emerging risks.
• Recommend proactive adjustments to maintain outcomes within risk appetite.

Governance, Policy & Regulatory Alignment

• Ensure all strategies comply with credit policy, regulatory expectations, and model governance standards.
• Lead documentation, monitoring, and validation of strategy effectiveness.

CrossFunctional Influence & Leadership

• Act as a strategic advisor to senior Personal Banking and enterprise leaders.
• Influence decisions related to credit policy, product design, client experience, and risk appetite across business units.

Qualifications & Experience

• Extensive experience in unsecured lending, including acquisition, adjudication, and/or lifecycle account management strategy.
• Advanced understanding of consumer and/or credit risk modelling, business financial analysis, and modelenabled decisioning.
• Proficiency with decision engines, decisiontree and optimization software, and analytical platforms (e.g., FICO, SAS, ARGOSS, ML scoring systems).
• Strong analytical, strategic, and problemsolving skills with the ability to translate insights into executable strategies.
• Proven ability to lead large, crossfunctional initiatives and influence senior stakeholders.
• Deep familiarity with credit policy, regulatory frameworks, and model governance.
• Demonstrated commitment to innovation, testing culture, and continuous improvement.

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: https://jobs.bmo.com/global/en/Total-Rewards