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BMO Financial Group Senior Analyst, Credit Strategy in Toronto, Ontario


55 Bloor Street West

Job Family Group:

Audit, Risk & Compliance

Develops and maintains risk decision-support strategies using analytical solutions to enable high-quality, fact-based decisions for a personal lending portfolio. Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.

  • Supports development and execution of strategic initiatives in collaboration with internal and external stakeholders.

  • Breaks down strategic problems, and analyses data and information to provide insights and recommendations.

  • Manages databases and provides support for analysis, forecasting and/or data visualization, ensuring adherence with data governance standards.

  • Supports change management of varying scope and type; tasks typically focused on execution and sustainment activities.

  • Leads or assists with the maintenance, monitoring, measurement & reporting on the status of the risk decision strategies performance.

  • Supports the maintenance, monitoring, measurement & reporting on the status of the risk decision strategies and key risk indicators to internal & external stakeholders.

  • Develops and maintains risk strategies using analytics, predictive modelling and business rules to optimize decisions and productivity.

  • Supports the planning and execution of the change management process including simulation, validation testing and reporting requirements to evaluate the effectiveness of the new or modified strategies.

  • Provides advice and guidance to assigned business/group on implementation of analytical solutions.

  • Develops and maintains in-depth knowledge of business product strategies and related risk management requirements and legislative/ regulatory directives.

  • Works with stakeholders to identify the business requirements, understand the profitability structure, the risk / return assessment and the expected outcomes.

  • Works with data owners to discover and select available data sources from internal sources and external vendors (e.g. lending system, payment system, external credit rating system) to fulfill analytical needs.

  • Works with internal and external stakeholders to understand the capabilities of risk models and core risk systems to ensure effectiveness of risk decision strategies.

  • Summarizes statistical findings and draws conclusions and presents actionable business recommendations.

  • Presents findings & recommendations in a simple, clear way to drive action.

  • Works independently on a range of complex tasks, which may include unique situations.

  • Broader work or accountabilities may be assigned as needed.


  • Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.

  • Working / in-depth product knowledge for personal lending portfolio.

  • Working / in-depth knowledge of risk management theory, processes and portfolio management reporting techniques.

  • Working / in-depth knowledge of modelling & analytics concepts and applications.

  • Working / in-depth knowledge of risk systems technology.

  • Technical proficiency gained through education and/or business experience.

  • 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.

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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.