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Data Scientist / Portfolio Risk Manager

Bank of Montreal

San Rafael, Arizona, United States

San Rafael, Arizona, United States

About

Application Deadline: 06/25/2026 Address: 320 S Canal Street Job Family Group Data Analytics & Reporting Role Overview The Data Scientist / Portfolio Risk Manager provides analysis, monitors performance and develops portfolio credit recommendations on consumer loan portfolios to manage risk taking, improve profitability and ensure the bank’s lending activities adhere to Retail Credit policies and Risk Appetite target. This role leverages statistical tools, quantitative modeling techniques and business methodologies to mine data and support credit policy and strategy recommendations. The position contributes to key risk management processes such as credit performance monitoring, retail risk policy/strategy development, credit loss reserving, loss forecasting and business planning. It also performs ADHOC analysis including due diligence for potential portfolio or retail lending business acquisitions. Loss Forecasting & Performance Monitoring (40%) Develop, enhance loss forecasting framework. Maintain efficient reporting process to communicate forecast and underlying drivers to senior management. Liaison with collections/finance to facilitate accurate assessment and reporting of the loss/allowance. Conduct portfolio analyses, including monitoring and reporting credit performances of specific consumer loan portfolios, exploring and discovering root causes of changing credit profile and credit performances, identifying performance drivers and providing senior management with actionable recommendations. Portfolio Risk Management / Data Analysis (20%) Support growth and solve real business problems by applying customized business analysis or a variety of predictive modeling techniques, portfolio segmentation, champion/challenger methodologies to analyze business results and refine strategies and influence portfolio credit performance and profitability. Combine retail lending product expertise and analytical expertise in lending policy and strategy enhancement. Support portfolio / business acquisition and due‑diligence exercises in Retail Lending; promote collaboration within Risk team and across functions to provide end‑to‑end analysis that connects risk taking and profitability. Credit Policy / Process / Strategy Analysis (20%) Maintain current understanding of applicable regulatory requirements for consumer loans and ensure policies and procedures are fully compliant. Present results of portfolio monitoring and analysis and provide recommendations for policy, process or strategy changes to more effectively manage risk, increase efficiency, or improve bank profitability. Review policies and procedures to ensure adherence to credit risk‑related operating procedures and applicable P&C Canada, BMO and U.S. policies as well as alignment with the business strategy and risk appetite. Governance (20%) Provide clear, concise executive summaries on portfolio performance or risk concerns for discussion with key stakeholders at appropriate governance forums to define the issue/risk, assess the potential implications to the bank and provide any recommended actions to remediate the risk. Provide supports to internal/external audit efforts. Authorities Information Access – Authority to access information, records, facilities, systems, and personnel of the enterprise, including authorities to access and use confidential customer and financial information. Empowerment – Authority to interact with the LoB, providing analysis, consultation, issue identification and recommendations. Scope and Impact This position contributes to financial reporting and loan portfolio risk outlook/performance, reported internally and externally. It has direct impact on the achievement of business objectives related to managing risk and delivering against profitability targets associated with the loan portfolio. Qualifications 5–7 years of relevant experience and post‑secondary degree in related field or equivalent combination of education and experience. Prior experience in credit risk processes and loss forecasting. Proven ability to glean insights from data and support data‑driven decision making. Highly proficient in data analysis, including time‑series analysis, risk segmentation, vintage/cohort performance tracking. Highly proficient in SAS and Excel (mandatory). Knowledge of Python, SQL, Power BI is a plus. In‑depth knowledge of loan life cycle and loss mitigation process. In‑depth knowledge of risk management metrics, KPIs and KRIs. In‑depth knowledge of reporting & analytics concepts and applications. In‑depth knowledge of risk systems technology. Excellent analytical and problem‑solving skills. Excellent verbal and written communication skills. Salary and Compensation $74,000.00 – $138,000.00 (Salaried). May vary based on location, skills, experience, education, and qualifications. May include commissions, performance‑based incentives, discretionary bonuses and other perks. BMO offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. Equal Employment Opportunity Statement BMO is a proud equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories consistent with applicable federal, state, and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please email BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information.
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San Rafael, Arizona, United States

Languages

English

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