Managing Director, Business Banking Lending Portfolio Management

Overview
Final date to receive applications: 02/27/2026

Address: 33 Dundas Street West

Job Family Group:
Retail Banking Sales & Service

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 (PBB) 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 PBB, this is the team for you.

Responsibilities

Develops and maintains risk decision-support strategies using analytical solutions to enable high-quality, fact-based decisions for a designated risk portfolio. Supports the development of the strategy and roadmap for data quality, data analytics, data modeling, reporting, business intelligence, and the design and development of sophisticated decision support tools.

The Managing Director, Business Banking Lending Portfolio Management leads the development and supports the execution of Canadian business banking credit strategies across unsecured and secured lending products to drive ROE‑accretive primary customer growth and deeper full‑relationship outcomes, while optimizing risk‑return performance within Board‑approved risk appetite. The role partners closely with the business line considering Branch and Relationship Managed (RM) channels, to inform strategy design, refine credit decisioning, and continuously improve customer experience across the end‑to‑end credit lifecycle.

The incumbent serves as model user for models supporting Canadian Business Banking credit strategies, predictive models developed in 2nd line to accurately estimate risk, ensuring sophistication and connectivity across the retail credit ecosystem, i.e., granular customer segments, behavioural data, active model lifecycle management. Owns the end-to-end credit customer journey and the connectivity across the customer lifecycle (i.e. acquisition and account management) with agile targeting, treatments and actions responsive to the dynamic macroeconomic environment.

Develops strategy monitoring, for continuous improvement and calibration of early warning signals to ensure early indications of elevated risk are proactively identified, informing the loss forecast team, ensuring downturn ready strategies, and making timely adjustments and de-risking/growth strategies and actions, which are connected to customer experience, acquisition, account management and collections action plans.

Develops, maintains and supports the implementation of business banking credit acquisition and account management strategies and decision support tools for their product suite that align with business requirements and risk appetite to optimize decisions and productivity.

Brings together inputs (e.g. credit and marketing analytics, pricing, growth forecasts, etc.) to develop holistic business strategies to optimize P&L outcomes against set goals.

Develops proposals "in service" of Product teams, incorporating their strategic goals and aligning frequently on desired outcomes.

Works in partnership with collections strategy to develop pre-delinquency / collections / “placemat” strategies for their credit product suite, incorporating predictive modeling, forecasting and early warning analytics, to design targeted approaches for products, processes, channels etc. based on unique customer risk levels and financial behaviour, to optimize loss performance.

With Head, First Party Fraud Strategy, develops accurate credit proposals (incl. revenue and loss forecasts) and supports policy change proposals, using statistical models developed by 2nd line…