Application Deadline:

06/19/2026

Address:
33 Dundas Street West

Job Family Group:

Data Analytics & Reporting

The Head, North American Provisioning & Risk Analytics is accountable for leading credit loss provisioning and advanced analytics for Retail and Business Banking portfolios across North America. This role provides deep subject matter expertise in credit loss forecasting, model oversight, portfolio analytics, and risk insights in support of financial reporting, risk management, and enterprise governance.

The role operates at a senior, enterprise-wide level and partners closely with Risk, Finance, Collections, and business leaders to ensure accurate, transparent, and well-governed provisioning outcomes under applicable regulatory frameworks (e.g., CECL, IFRS).

Key Accountabilities

• Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios, ensuring accuracy, consistency, and regulatory compliance.
• Oversee credit loss estimation, recovery analytics, and model performance, ensuring alignment with portfolio characteristics and macroeconomic conditions.
• Lead scenario-based loss analytics, stress testing, and forward-looking assessments to inform portfolio risk insights and financial outcomes.
• Provide expert oversight of provisioning models, methodologies, assumptions, and controls, supporting audit, model risk, and regulatory expectations.
• Lead integration of provisioning analytics for new portfolios and acquisitions, identifying gaps, best practices, and capacity requirements.
• Drive standardization and consistency of provisioning approaches across Retail entities to support risk appetite measurement and management.
• Define business requirements for provisioning analytics, reporting, and data infrastructure to enable high-quality insights and decision support.
• Provide second-line oversight and analytical challenge related to Collections performance and outcomes.
• Partner with Finance, Risk, and business teams to assess the credit loss impact of portfolio changes, asset movements, or operating decisions.
• Act as a senior subject matter expert on provisioning and credit loss analytics, providing guidance and effective challenge to stakeholders.
• Operate as a trusted advisor to senior leaders on credit loss trends, emerging risks, and portfolio performance.

Leadership & Governance

• Lead and develop a high-performing team with diverse risk, analytics, and business expertise.
• Foster a strong risk culture by promoting accountability, transparency, and constructive challenge.
• Ensure activities comply with the Bank's Risk Appetite framework, internal policies, and all applicable regulatory requirements.
• Contribute to enterprise governance through participation in relevant committees, forums, and reviews as a senior specialist resource.
• Promote continuous improvement, automation, and simplicity in provisioning and analytics processes.

Culture & People Leadership

• Build an inclusive, engaged, and high-performance team environment.
• Support talent development, coaching, and succession planning.
• Role model the Bank's values, leadership expectations, and commitment to diversity, equity, and inclusion.
• Drive collaboration across teams and functions to achieve shared outcomes.

Qualifications

• Typically, 9+ years of progressive experience in credit risk, provisioning, analytics, or related disciplines.
• Post-secondary degree in a relevant field or an equivalent combination of education and experience.
• Deep expertise in credit loss provisioning frameworks and analytics.
• Strong analytical, problem-solving, and data-driven decision-making skills.
• Exceptional communication and influencing skills with senior stakeholders.
• Proven ability to operate effectively in complex, regulated environments and manage ambiguity.
• Recognized technical leader with strong industry knowledge.

Please note the base salary range for this position is Cdn $165K to Cdn $195K

Salary :

Pay Type:

Salaried

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.