Senior Analyst, Credit Strategy, Consumer Credit Cards (12 month contract)

Address:

Hybrid working

Role Summary

As a Senior Analyst, you will contribute to the development and execution of credit risk strategies through comprehensive data analysis, modeling, and reporting. You will collaborate with internal stakeholders to deliver actionable insights that enhance portfolio performance, optimize risk, and support informed decision-making.

Key Responsibilities

• Manage credit decisioning for cross-sell credit card strategies linked to mortgage acquisitions; ensure timely delivery.

• Assist in designing and refining risk decision strategies using advanced analytics and business rules.

• Conduct portfolio analysis to identify trends, assess risk, and support strategic initiatives.

• Develop and maintain dashboards and reports to monitor strategy performance and outcomes.

• Collaborate with cross-functional teams (e.g., systems, finance, product) to support business initiatives and regulatory requirements.

• Respond to business ad hoc requests with timely and accurate analysis.

• Participate in validation testing and change management activities for new or modified strategies.

• Support governance processes and prepare documentation for audits and reviews.

• Act as a second-line function by providing independent analysis and effective challenge to business-led strategies and decisions.

Qualifications

• Bachelor’s degree in Finance, Economics, Data Science, or related field; advanced degree preferred.

• 3–5 years of experience in credit risk, analytics, or a related discipline.

• Strong analytical skills with hands-on experience using data tools and coding languages such as SAS, SQL, Python, or R.

• Solid understanding of credit products and risk management principles.

• Excellent communication and collaboration skills.

• Ability to work independently and manage multiple priorities effectively.

What We Offer:

• A high-visibility role with direct impact on credit decisions for a critical business segment.

• A collaborative and supportive environment that values innovation, integrity, and career growth.

• The opportunity to drive strategic direction within a dynamic and growing portfolio.

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

About Us

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 https://jobs.bmo.com/ca/en.

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.

Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.