Manager – Balance Growth & Special Initiatives
Bank of Montreal · Toronto, ON, Canada
Application Deadline:
11/08/2026
Address:
33 Dundas Street West
Job Family Group:
Customer Solutions
Manager – Balance Growth & Special Initiatives is accountable for the implementing new balance growth strategies and continuously optimizing existing strategies for balance growth and profitability in BMO’s Canadian Retail and Small Business credit card portfolios. Accountabilities would also include managing of special initiatives.
KEY AREAS OF ACCOUNTABILITY
A. Balance Growth Governance & Risk
B. Infrastructure
C. Financial Management
ACCOUNTABILITIES
A. Balance Growth Governance & Risk
- Oversight of overall strategy and implementation of programs related to Balance Growth (e.g., Acquisition balance transfer for retail / small business and existing customer small business balance transfer programs) within the BMO Canadian retail and small business credit card portfolio.
- Implement new tests, procedural improvements, digital enhancements, and automation within the pre-delinquency program to optimize risk-adjusted returns, losses, and ROE.
- This role is a key liaison with various partners, including finance, credit risk, collections, analytics, operations, marketing and the customer contact center.
- Development and maintenance of policies and procedures related to balance growth programs, including staff training, updates to disclosures and marketing materials.
- Strong focus on customer experience, change management and program optimization.
- Supports the drafting of strategic pricing plans to improve existing product offerings.
- Manages escalations and assists our customer facing staff in resolving concerns of customers as well as enhancing processes.
B. Infrastructure
- This role is a key subject matter expert on TSYS/TRIAD functionality and will support long term goals to reduce operational risk, maximize flexibility and build new functionalities designed to drive customer behavior, retention, or growth of balance and revenue amongst credit card customers.
C. Financial Management
- The Manager is responsible for the ongoing reporting and P&L management of existing and future Balance Growth campaigns, programs, and projects.
CROSS-FUNCTIONAL RELATIONSHIPS
- NARP Product and Loyalty Team
- NARP Acquisition Team
- Virtual Connect
- Client Loyalty and Salesforce Effectiveness
- Compliance and Legal
- Marketing
- Credit Risk
- Collections
- Lending Credit Strategy
- Analytics
- Payment Card Services
- Technology and Operations
- P&C Finance
Qualifications:
- Bachelor degree or equivalent experience (6-8 years), and or an Accounting or Finance (i.e. CPA or CFA designation an asset).
- 2 - 3 years of business experience - required.
- Strong analytical experience in management consulting, risk management, marketing analytics, or financial analysis - preferred.
- Strong experience creating detailed business cases - required.
- Strong deck creation skills - required.
- Verbal & written communication skills - In-depth.
- Collaboration & team skills - In-depth.
- Analytical and problem solving skills - In-depth.
- Influence skills - In-depth.
- Data driven decision making - In-depth.
Salary:
$70,000.00 - $150,000.00
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
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.