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Role is responsible for end-to-end product strategy including P&L ownership, policy and process optimization, competitive analysis, forecasting, balance sheet management, and execution. Leads strategy development in partnership with credit risk, operations, sales, marketing, finance, legal, compliance, technology, and other internal partner groups.

• Makes strategy and new initiative recommendations to senior leaders based on an in-depth understanding of the business.

• Optimizes polices and processes to be competitive in the market while meeting target P&L profitability and balance sheet targets.

• Identifies emerging issues and trends to inform decision-making.

• Develops business cases by identifying needs, analyzing potential options, and assessing expected returns on investment.

• Builds effective relationships with internal/external stakeholders.

• Leads, develops, and manages strategies for reporting and forecasting and/or analytics teams within the business.

• Develops and implements action plans that meet financial and growth metrics.

• Conducts complex market research, competitive intelligence, and data analysis.

• Monitors key product performance and growth metrics to identify trends and recommend action plans.

• Provides competitive analysis and benchmarking to identify product strengths and gaps, and extract insights.

Qualifications:

• Typically 7+ years of relevant experience and post-secondary degree in Business or a related field of study or an equivalent combination of education and experience.

• Strong experience with consumer / commercial credit applicable to retail and business financing products.

• Strong experience working with retail and business product fundamentals, including product design, functionality, and related policies and procedures.

• In-depth risk management associated with new and existing product development and management.

• Strong knowledge of process coordination and management.

• Strong knowledge of banking product management and associated industry and regulatory requirements.

• Building business cases - in-depth

• Researching market trends – in-depth

• Relationship management – in-depth

• Analytics and reporting – in-depth

• Financial Understanding – in-depth

• Verbal & written communication skills - In-depth / Expert.

• Analytical and problem solving skills - In-depth / Expert.

• Influence skills - In-depth / Expert.

• Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.

• Able to manage ambiguity.

• Data driven decision making - In-depth / Expert

Responsible for Home Equity and Non-Real Estate

Salary:

$100,000.00 - $185,500.00

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

We’re here to help

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/us/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. BMO is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. 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.