BMO Financial Group
Financial Services
Head,NorthAmericanProvisioning&RiskAnalytics
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“Head, North American Provisioning & Risk Analytics at BMO Financial Group. Skills: Credit risk, Provisioning, Analytics. Lead credit loss provisioning. Oversee credit loss estimation”
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, Exceptional communication and influencing skills with senior stakeholders, Proven ability to operate effectively in complex, regulated environments and manage ambiguity, Recognized technical leader with industry knowledge
What You'll Do.
Lead credit loss provisioning
Oversee credit loss estimation
Lead scenario-based loss analytics
Provide expert oversight of provisioning models
Lead integration of provisioning analytics
Drive standardization and consistency
Define business requirements
Provide second-line oversight
Act as a senior subject matter expert
Operate as a trusted advisor
Lead and develop a high-performing team
Foster a risk culture
Ensure activities comply with framework
Contribute to enterprise governance
Promote continuous improvement
How You'll Work.
Team & Collaboration
Partner closely with Risk, Finance, Collections, and business leaders; Partner with Finance, Risk, and business teams; Drive collaboration across teams and functions
Communication Scope
Exceptional communication and influencing skills with senior stakeholders
Full Job Description
Application Deadline: 06/19/2026 Address: 33 Dundas Street West 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, Ri
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