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BMO Financial Group Manager, Small Business Balance Growth in Toronto, Ontario


55 Bloor Street West

Job Family Group:

Customer Solutions

The Manager – Small Business Balance Growth is accountable for the maintenance implementation of Balance Transfer and other programs/strategies in BMOs Canadian small business credit card portfolios.

This role is accountable to drive incremental revenue and balance growth while managing risk through optimizing balance transfer and pricing in the portfolio.


A. Balance Transfer/Pricing Governance & Risk

B. Infrastructure

C. Financial Management


A. Balance Transfer/Pricing Governance & Risk

  • Oversight of overall strategy and implementation of programs related to Small Business Balance Transfer & other balance build programs within the BMO Canadian small business credit card portfolio.

  • This role is a key liaison with various partners, including finance, credit risk, analytics, operations, marketing and the customer contact center.

  • Manages escalations for our Retail & Small Business portfolio - Assists our customer facing staff in resolving concerns of customers as well as enhancing processes.

  • Development and maintenance of policies and procedures related to balance transfers/pricing programs, including staff training, updates to disclosures and marketing materials.

  • Strong focus on customer experience, change management and program optimization

  • Supports the drafting of strategic balance growth plans to improve existing offerings

B. Infrastructure

  • This role is a key subject matter expert on TSYS/TRIAD functionality, and will support long term goals to reduce operational risk, maximize flexibility and build new functionalities designed to drive customer behavior, retention, or growth of balance and revenue amongst credit card customers.

C. Financial Management

  • The Manager is responsible for the ongoing reporting and P&L management of existing and future Balance growth campaigns and projects.


  • NARP Product and Loyalty Team

  • NARP Acquisition Team

  • North American Customer Contact Centre

  • Personal Sales Force Effectiveness

  • Compliance and Legal

  • Marketing

  • Credit Risk

  • Analytics

  • Payment Card Services

  • Technology and Operations

  • P&C Finance


  • Bachelor degree ‎or equivalent experience (6-8 years), and or an Accounting or Finance (i.e. CPA or CFA designation an asset).

  • 2 - 3 years of business experience - required.

  • Strong analytical experience in management consulting, risk management, marketing analytics, or financial analysis - preferred.

  • Strong experience creating detailed business cases - required.

  • Familiarity with statistical analysis techniques

  • Verbal & written communication skills - In-depth.

  • Collaboration & team skills - In-depth.

  • Analytical and problem solving skills - In-depth.

  • Influence skills - In-depth.

  • Data driven decision making - In-depth.

We’re here to help

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

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.

BMO Financial Group Serving customers for 200 years and counting, BMO is a highly diversified financial services provider – the 8th largest bank, by assets, in North America. With total assets of $728 billion as of October 31, 2018, and a team of diverse and highly engaged employees, BMO provides a broad range of personal and commercial banking, wealth management and investment banking products and services to more than 12 million customers and conducts business through three operating groups: Personal and Commercial Banking, BMO Wealth Management and BMO Capital Markets.We serve Canadian clients through BMO Bank of Montreal®, our personal and commercial banking business, BMO Nesbitt Burns®*, one of Canada's leading wealth management firms, and BMO Capital Markets™, our North American investment and corporate banking division.In the United States, clients are served through BMO Harris Bank, a major U.S. Midwest personal and commercial bank, and BMO Private Bank, with wealth management offices across the United States, as well as BMO Capital Markets™, our North American investment and corporate banking division.We help our customers make money make sense by delivering the broadest range of financial services through a single point of contact. Our financial service professionals provide access to any services our customers require across the entire enterprise.