BMO Financial Group
Banking
Head,NorthAmericanProvisioning&RiskAnalytics
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“Head, North American Provisioning & Risk Analytics at BMO Financial Group. Skills: credit loss provisioning, advanced analytics, credit loss forecasting, model oversight, portfolio analytics, risk insights. Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios, ensuring accuracy, consistency, and regulatory compliance.. Oversee credit loss estimation, recovery analytics, and model performance, ensuring alignment with portfolio chara”
Industry & Context.
analytical, problem-solving, and data-driven decision-making skills
What They're Looking For.
Must Have
9+ years of progressive experience in credit risk, provisioning, analytics, or related disciplines, Post-secondary degree in a relevant field or an equivalent combination of education and experience, Deep expertise in credit loss provisioning frameworks and analytics, analytical, problem-solving, and data-driven decision-making skills
What You'll Do.
Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios
and regulatory compliance.
Oversee credit loss estimation
and model performance
ensuring alignment with portfolio characteristics and macroeconomic conditions.
Lead scenario-based loss analytics
and forward-looking assessments to inform portfolio risk insights and financial outcomes.
Provide expert oversight of provisioning models
and regulatory expectations.
Lead integration of provisioning analytics for new portfolios and acquisitions
and capacity requirements.
Drive standardization and consistency of provisioning approaches across Retail entities to support risk appetite measurement and management.
Define business requirements for provisioning analytics
and data infrastructure to enable high‑quality insights and decision support.
Provide second-line oversight and analytical challenge related to Collections performance and outcomes.
and business teams to assess the credit loss impact of portfolio changes
or operating decisions.
Act as a senior subject matter expert on provisioning and credit loss analytics
providing guidance and effective challenge to stakeholders.
Operate as a trusted advisor to senior leaders on credit loss trends
and portfolio performance.
Lead and develop a high-performing team with diverse risk
and business expertise.
Ensure activities comply with the Bank’s Risk Appetite framework
and all applicable regulatory requirements.
Contribute to enterprise governance through participation in relevant committees
and reviews as a senior specialist resource.
Promote continuous improvement
and simplicity in provisioning and analytics processes.
and high-performance team environment.
Support talent development
and succession planning.
Role model the Bank’s values
leadership expectations
and commitment to diversity
Drive collaboration across teams and functions to achieve shared outcomes.
How You'll Work.
Team & Collaboration
Partner with Finance, Risk, and business teams to assess the credit loss impact of portfolio changes, asset movements, or operating decisions.; Drive collaboration across teams and functions to achieve shared outcomes.
Communication Scope
Exceptional communication and influencing skills with senior stakeholders; Provide guidance and effective challenge to stakeholders; Operate as a trusted advisor to senior leaders
Full Job Description
Application Deadline: 06/19/2026 Address: 320 S Canal Street Job Family Group: Data Analytics & Reporting The Head, North American Provisioning & Risk Analytics is accountable for leading credit loss provisioning and advanced analytics for Retail and Business Banking portfolios across North America. This role provides deep subject matter expertise in credit loss forecasting, model oversight, portfolio analytics, and risk insights in support of financial reporting, risk management, and enterprise governance. The role operates at a senior, enterprise-wide level and partners closely with Risk, Finance, Collections, and business leaders to ensure accurate, transparent, and well-governed provisioning outcomes under applicable regulatory frameworks (e.g., CECL, IFRS). **Key Accountabilities** * Lead credit loss provisioning and forecasting activities across North American Retail and Business Banking portfolios, ensuring accuracy, consistency, and regulatory compliance. * Oversee credit loss estimation, recovery analytics, and model performance, ensuring alignment with portfolio characteristics and macroeconomic conditions. * Lead scenario-based loss analytics, stress testing, and forward-looking assessments to inform portfolio risk insights and financial outcomes. * Provide expert oversight of provisioning models, methodologies, assumptions, and controls, supporting audit, model risk, and regulatory expectations. * Lead integration of provisioning analytics for new portfolios and acquisitions, identifying gaps, best practices, and capacity requirements. * Drive standardization and consistency of provisioning approaches across Retail entities to support risk appetite measurement and management. * Define business requirements for provisioning analytics, reporting, and data infrastructure to enable high‑quality insights and decision support. * Provide second-line oversight and analytical challenge related to Collections performance and outcomes. * Partner with Finance, Risk,
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