Director - Unsecured Lending Product, Account Management and Pricing

Date limite pour présenter sa candidature :

Adresse :

Groupe de famille d'emploi :

We’re looking to change the way the world banks and you could be part of it. If driving change and making a difference is of interest, then come join our product management team. Be part of the change and help customers make real financial progress with differentiated product strategies, value propositions, and marketing offers; by developing and applying risk and return approaches and expert capability in portfolio and individual deal credit risk management; and leading cross functional teams to drive differentiated value for customers and bottom line impact.

Be a part of a winning team and understand how your work contributes to your team’s and BMO’s success through clear objectives setting and a transparent focus on outcomes. Feel the sense of belonging and respect that you value. Be inspired by a culture and colleagues to achieve your goals and find new path to success. Take pride in knowing you’re improving the lives of our customers, colleagues and communities. Experience the balance, support and flexibility you need with flexible work options, benefits that go beyond the basics to support you and your family in living well physically, mentally, socially and financially.

As the Director for Unsecured Lending, Account Management and Pricing, you will responsible for the management of strategies that drive experiences for our retail unsecured lending customers. You will deliver simple, pre approved offers for Credit Limit increases, manage life cycle pricing across all BMO channels for Unsecured Products and manage day to day service experiences for customers. All with a goal of delivering best in class experiences for our customers, with programs that deliver on customer needs. The incumbent will report to the Vice President - Head of Unsecured Lending.

Key Accountabilities:

• Owns Credit Limit, Pricing and existing customer experiences for Unsecured Lending
• Understands and manages Credit Risk as a critical aspect of Unsecured Lending, and acts as a trusted advisor to senior leaders for making business decisions and implementing strategic initiatives.
• End to end ownership of Pricing, Line Management and other account management strategies for Unsecured Lending working with cross functional teams from across the bank to bring initiatives and campaigns to life
• Make strategy and new initiative recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of Credit Risk, Pricing Strategy & Customer Engagement
• Fosters strong internal and external networks and works with and across multiple teams to achieve business objectives
• Identifies emerging economic and consumer trends to inform decision-making.
• Recommends business priorities, advises on resource requirements, and develops roadmap for strategic execution.
• Develops sales strategy, growth metrics, and plans to achieve sales objectives.
• Leads a team of 4 to drive business objectives

Leadership & Management:

• Fosters a culture aligned to BMO purpose, values and strategy and role models BMO values and behaviours in all that they do.
• Ensures alignment between values and behaviour that fosters diversity and inclusion.
• Regularly connects work to BMO’s purpose, sets inspirational goals, defines clear expected outcomes, and ensures clear accountability for follow through.
• Builds interdependent teams that collaborate across functional and operating groups to create the highest value for all stakeholders.
• Attracts, retains, and enables the career development of top talent.
• Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.

Product Management & Development:

• Develops and drives an end to end culture. Looking for opportunities across the lifecycle of pricing, limit and other account Management Strategies
• Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.
• Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
• Develops business cases by identifying needs, analyzing potential options, and assessing expected returns on investment.
• Oversees the development of business analytics and insights (e.g. portfolio profitability tracking, customer analytics, revenue forecasts, operations metrics, trend analytics, and predictive modelling).
• Understands and oversees end-to-end customer experience that may include interactions with clients and sales.
• Develops and implements action plans that meet financial and growth metrics.
• Develops an expert understanding of business/group challenges.

Governance and Risk Management:

• Acts as a subject matter expert on relevant regulations and policies.
• Manages risk associated with portfolio of products, including setting risk parameters and tolerance for credit losses.
• Work closely with partners to manage Credit Risk, Operational Risk, Compliance, Collections and more.
• Lead compliance activities specific to portfolio, understanding the external regulatory and legal environment and mitigating risks to an acceptable level.

Knowledge and Skills:

• 5+ years of Product Management or Strategy Development experience
• Experience working in highly data and model driven environments
• Experience presenting to senior leadership and crafting stories to articulate business issues succinctly
• MBA, B.Eng or equivalent work experience required
• Credit Risk experience is an asset
• Experience in large program delivery is an asset
• Experience working in a matrixed environment to deliver campaigns marketed to customers

Salaire :

Type de rémunération :

Ce qui précède représente la fourchette et le type de rémunération de BMO Groupe financier.

Les salaires varieront en fonction de facteurs comme l’emplacement, les compétences, l’expérience, les études et les qualifications pour le poste et pourront inclure une structure de commissions. Les salaires pour les postes à temps partiel seront calculés au prorata du nombre d’heures travaillées régulièrement. Pour les rôles à commission, le salaire susmentionné représente la cible de BMO Groupe financier pour la première année au poste.

La rémunération totale offerte par BMO variera selon le type de rémunération associé au poste et peut comprendre des primes de rendement, des primes discrétionnaires ainsi que d’autres avantages et récompenses. BMO offre également une assurance santé, le remboursement des frais de scolarité, une assurance accident et une assurance vie, ainsi que des régimes d’épargne-retraite. Pour en savoir plus sur nos avantages sociaux, consultez le site : https://jobs.bmo.com/ca/fr/R%C3%A9mun%C3%A9ration-globale

Ici, pour vous.

À BMO, nous sommes animés par une raison d’être commune : Avoir le cran de faire une différence dans la vie, comme en affaires. Cette raison d’être nous invite à entraîner des changements positifs et durables pour nos clients, nos collectivités et nos gens. En travaillant ensemble, en innovant et en repoussant les limites, nous transformons des vies et des entreprises et favorisons la croissance économique partout dans le monde.

En tant que membre de l'équipe de BMO, vous êtes valorisé, respecté et entendu, et vous avez plus de moyens pour progresser et obtenir des résultats. Nous nous efforçons de vous aider à obtenir des résultats dès le premier jour, pour vous-même et nos clients. Nous vous offrirons les outils et les ressources dont vous avez besoin pour franchir de nouvelles étapes, car vous aidez nos clients à franchir les leurs. Au moyen de formation et de coaching approfondis ainsi que de soutien de la direction et d'occasions de réseautage, nous vous aiderons à acquérir une expérience enrichissante et à élargir votre groupe de compétences.

Pour en savoir plus, visitez-nous à l'adresse https://jobs.bmo.com/ca/fr.

BMO s'engage à offrir un milieu de travail inclusif, équitable et accessible. Nous apprenons de nos différences et tirons notre force des gens et de leurs différents points de vue. Des mesures d’adaptation sont disponibles sur demande pour les candidats qui participent à tous les aspects du processus de sélection. Pour demander des mesures d’adaptation, veuillez communiquer avec votre recruteur.

Remarque aux recruteurs : BMO n’accepte pas les curriculum vitæ non sollicités provenant de toute source autre que le candidat directement. Tout curriculum vitæ non sollicité envoyé à BMO, directement ou indirectement, sera considéré comme la propriété de BMO. BMO ne paiera aucuns frais pour les placements découlant de la réception d’un curriculum vitæ non sollicité. Une agence de recrutement doit d’abord détenir une entente de service écrite valide et dûment signée avant d’envoyer des curriculum vitæ.