Derived from job-description analysis by Serendipath's career intelligence engine.
Original posting from BMO
Final date to receive applications:
05/28/2026
Address:
33 Dundas Street West
Job Family Group:
Data Analytics & Reporting
The Director, Decision Science – Canada will lead a team of decision scientists responsible for developing, deploying, and optimizing credit risk models across the customer lifecycle. This role owns adjudication, account management, and collections analytics, ensuring models are production‑ready, compliant, and deliver strong business outcomes. The ideal candidate brings deep credit risk expertise, strong people leadership, and the ability to apply advanced analytics, ML, and AI where appropriate.
Key Responsibilities
- Lead, mentor, and develop a high‑performing team of 10+ decision science professionals.
- Own end‑to‑end development of underwriting, account management, and collections models.
- Drive best‑in‑class modeling practices including reject inference, WoE binning, IV analysis, and scorecard development.
- Partner with Technology and Product to ensure seamless model‑to‑production deployment, monitoring, and governance.
- Oversee data preparation, feature engineering, and rigorous data cleaning using internal and credit bureau data.
- Monitor model performance, stability, and drift; lead recalibration and enhancement efforts.
- Apply machine learning and AI techniques selectively to improve predictive power while maintaining explainability and regulatory alignment.
- Communicate insights and recommendations to senior leadership and key stakeholders.
Qualifications
- MS or PhD in Statistics, Mathematics, Economics, Data Science, Computer Science, or related field.
- 7+ years of experience in credit risk modeling within financial services or fintech.
- Proven experience building and deploying models for adjudication, account management, and collections.
- Strong expertise in data cleaning, reject inference, WoE binning, and credit bureau data usage.
- Hands‑on experience taking models from design through production implementation.
- Proficiency with analytics tools such as Python, R, SQL, or SAS.
- Demonstrated people leadership and ability to influence cross‑functional partners.
Nice to Have
- Experience with ML/AI models in regulated credit environments.
- Familiarity with Canadian credit market and regulatory expectations.
- Exposure to modern MLOps and cloud‑based analytics platforms.
This hybrid role requires in‑office collaboration a minimum of three days per week.
If you’re looking for your next dream job, consider this one in BMO’s Enterprise Risk Group where every colleague helps protect and grow the bank by providing independent review and oversight of enterprise-wide risks, working together to maintain a risk management framework and fostering a strong risk culture.#ERPMDream Jobs
Applies mathematical and statistical methods to financial and risk management problems (e.g. internal controls; enterprise-wide stress testing and scenario analysis; capital modelling; valuations). Through quantitative analytical modelling, identifies important factors to consider for financial disaster and recovery plans. Conducts research and creates tools that use data to develop scenario-based planning and implements complex mathematical models to help the business make better financial and financial decisions (e.g. investments, pricing, etc.),
drive innovation and minimize the impact of uncertainty.
- Develops pricing and quantitative risk models for an assigned portfolio e.g. fixed income, corporate credit and loans.
- Monitors risk in strategies and portfolios alongside project managers or functional leads.
- Conducts research and develops tools that use data to make better financial decisions; such as: investments, pricing, etc.
- Applies knowledge of risk assessment and controls along with extensive understanding of industry compliance standards and regulations.
- Identifies ways of mitigating potential risks; recommends and implements solutions based on analysis of issues and implications for the business.
- Documents data flow, systems and processes to improve the design, implementation and management of business/group processes.
- Conducts quantitative research in risks across strategies and portfolios.
- Fosters a culture aligned to BMO purpose,…
Source: BMO careers