Senior Manager, Unsecured Lending Portfolio Management
Core
Design and execute advanced credit acquisition and account management strategies for Credit Card and Unsecured Lending portfolios to drive profitable growth and maintain portfolio resilience.
Role type
Senior Manager, Unsecured Lending Portfolio Management
Builds
Scalable, automated credit strategies and decision frameworks for BMO Financial Group's unsecured lending products.
Domain
Financial Services / Credit Risk / Unsecured Lending
Deliverable
production ML models
Required skills
Machine learning techniques, statistical modeling, decision tree algorithms, optimization tools, credit lifecycle economics, risk-return optimization, Python, SQL, FICO, SAS, model governance, cross-functional project management
Preferred skills
Experience with decision engines, behavioral scoring, champion-challenger testing frameworks, regulatory compliance
Technologies
Python, SQL, FICO, SAS, decision tree platforms, optimization tools
Responsibilities
Design customer-level account management strategies using decision trees and optimization; apply statistical and ML techniques to develop decision frameworks; create simulation and forecasting frameworks for strategy impact; interpret model scores to differentiate risk; execute champion-challenger testing to refine treatments; support lifecycle strategy for acquisition and exposure optimization; monitor portfolio performance and recommend adjustments; ensure compliance with credit policy and regulatory standards.
Seniority
Senior Manager, strategic execution & cross-functional leadership