Senior Analyst, Credit Strategy

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Join a pioneering team shaping the future of Canadian Retail Credit Strategies.
We’re building next-generation, end-to-end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities.

Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment.

If you’re passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you.

Role Overview
Join a high-impact team where data meets business strategy. As a Senior Analyst on the Credit Strategy team, you will be designing and optimizing credit risk strategies that drive performance across a major retail portfolio. Your insights will directly influence decision-making, risk appetite, and business outcomes. This is a unique opportunity to blend analytical rigor with strategic thinking in a collaborative, fast-paced environment.

At BMO, we’re more than a bank—we’re a purpose-driven organization committed to Boldly Grow the Good in business and life. As one of North America’s top ten banks, we foster an inclusive, high-performing culture built on integrity, empathy, and innovation. Our Employee Value Proposition centers on personalized career development, competitive rewards, and holistic well-being—mental, physical, social, and financial. We empower our people to shape their future through continuous learning, flexible work arrangements, and vibrant Employee Resource Groups.

Key Responsibilities

• Leverage advanced analytics and business rules to build and refine credit decision strategies that balance growth and risk.

• Analyze performance trends, uncover emerging risks, and summarize statistical findings to support decision-making.

• Develop intuitive dashboards and reports that translate complex data into actionable business intelligence for stakeholders.

• Partner with teams in systems, finance, product, and risk to align strategy execution

• Respond to ad hoc requests with precision and speed, helping leaders make informed decisions.

• Participate in validation testing and change management to ensure strategies align with enterprise risk appetite.

• Support documentation preparation for audits, reviews, and governance forums.

• Monitor market dynamics, emerging credit trends to keep strategies future-ready.

• Proactively explore new data, seek innovative approaches to strategy development, to refine and evolve your thinking.

Qualifications

• Graduate degree in Economics, Business Management, Engineering, Mathematics, Finance, Data Science, or a related field; advanced degree preferred.

• Experience in credit risk, analytics, or a related discipline is preferred

• Proficiency in data tools and programming languages such as SAS, SQL, Python, or R.

• Strong understanding of credit products and risk management principles.

• Exceptional communication skills and a collaborative mindset.

• Ability to manage multiple priorities independently in a dynamic environment.

What we Offer

• Your work will directly shape credit decisions for a critical business segment.

• Be part of a team that values curiosity, creativity, and continuous improvement.

• Work with passionate professionals who support each other and celebrate success.

• Gain exposure to senior leaders and strategic initiatives that fast-track your development.

#FutureOfRetailLending

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.