Key Responsibilities

Provide independent, forward‑looking challenge on credit strategies, policies, and portfolio decisions across BMO’s Canadian Retail lending business. In this high‑impact second line role, you will strengthen the bank’s risk discipline through clear, data‑driven oversight, ensuring alignment with risk appetite, regulatory expectations, and enterprise governance. You will influence strategic credit outcomes, elevate decision quality, and help embed sound credit practices across the lifecycle.

• Provide objective, evidence‑based challenge on credit proposals, strategy changes, segmentation approaches, ML‑enabled decisioning, and underwriting standards to ensure alignment with risk appetite and regulatory expectations.
• Assess conceptual soundness, core assumptions, data quality, and directional risk impacts across origination, account management, and collections strategies.
• Monitor portfolio performanc...