Application Deadline:

07/08/2026

Address:
33 Dundas Street West

Job Family Group:

Audit, Risk & Compliance

The Senior Manager, Real Estate Secured Lending Account Management plays a key leadership role in shaping and guiding renewal and engagement strategies that support portfolio performance, customer resilience, and overall experience within the end-to-end Real Estate Secured Lending portfolio. This position combines strategic thinking with hands-on partnership across Product, Risk, Pricing, and Analytics to strengthen retention, enhance credit quality, advance renewals, and support prudent portfolio management. Working closely with Product and Risk, the Senior Manager helps design scalable, automated lifecycle strategies grounded in customer insights, portfolio needs, and risk considerations. The role ensures our strategies evolve alongside changing customer behaviours, housing and interest-rate dynamics, regulatory expectations, and competitive market forces.

Key Responsibilities

Lifecycle Strategy Development & Execution

• Shape and advance customer-level account-management strategies that span the full lifecycle - from early insights through renewals - ensuring they reflect customer needs, portfolio priorities, and sound risk practices.
• Develop strategies that bring together customer experience, retention goals, portfolio performance, and credit integrity across all secured-lending segments.
• Translate insights on collateral-risk, payment behaviour, and customer attributes into thoughtful, targeted interventions.

Renewals Strategy Leadership

• Guide the development of renewal strategies that strengthen retention and uphold risk-appetite principles while protecting margin.
• Collaborate closely with Product, Distribution, Pricing, and Risk to refine renewal journeys, improve engagement, and streamline decision points across channels.
• Work with partners to modernize and optimize renewal workflows, including automated processes and exception-handling pathways.

Model Application & Interpretation

• Act as a key model user, applying secured-lending models such as behaviour scores, property valuation models (AVMs), collateral risk tiers, and early-warning indicators.
• Ensure models are properly interpreted and embedded in treatment segmentation, exposure management, and renewal decisioning.

Champion-Challenger Testing

• Design and guide structured test-and-learn programs to evaluate enhancements in renewal treatments, pricing considerations, customer journeys, and segmentation approaches.
• Assess and communicate impacts on retention, customer experience, risk outcomes, and portfolio yield to support evidence-based decisions.

Technology & Deployment Partnership

• Partner with Technology, Product, and Analytics teams to translate strategy into deployable decision rules, digital capabilities, and automated workflows.
• Ensure technical feasibility, governance alignment, and smooth operational integration across systems and channels.

Portfolio Monitoring & Reporting

• Monitor in-force portfolio health, including trends in delinquency, renewal conversion, prepayment behaviour, attrition, and customer engagement.
• Provide proactive insights and recommend strategic adjustments that maintain performance within risk appetite.

Governance, Risk & Compliance

• Ensure renewal and account-management strategies adhere to credit policy, regulatory requirements, customer-protection standards, and prudent governance practices.
• Maintain oversight documentation and contribute to compliance routines and control frameworks.

#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