to manage risk taking improve profitability and ensure the banks lending activities adhering to retail credit policies and risk appetite target this role leverages the use of statistical tools quantitative modeling techniques and other business methodologies to mine data and support credit policy and strategy recommendations the position is responsible for contributing to key risk management related business processes such as credit performance monitoring retail risk policystrategy development credit loss reserving loss forecasting and business planning this role is also responsible for adhoc analysis including duediligence for potential portfolio or retail lending business acquisitions key accountabilities portfolio risk analysis 50 provide large data processing capability technical and analytical expertise in designing and executing quantitative and qualitative risk management 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 supporting growth and solve real business problems by applying customized business analysis or a variety of predicative modeling techniques portfolio segmentation championchallenger methodologies to analyze business results and refine strategies and influence portfolio credit performance and profitability combine retail lending product expertise lending process understanding and analytical expertise in lending policy and strategy enhancement support portfolio business acquisition and duediligence exercises in retail lending space promote collaboration within risk team and across functions to provide endtoend analysis that connects risk taking and profitability explore adopt and champion ai and machine learning to advance risk teams analytical capability governance 20 provide clear concise executive summaries on portfolio performance or risk concerns for discussion with key stakeholders at the appropriate governance forums to define the issuerisk assess the potential implications to the bank and provide any recommended actions to remediate the risk provide support as dataanalytics expert within risk team to liaison with model validation team and ensure a wellstructured and well documented governance process related to models that are ownedexecuted by retail portfolio management team provide supports to internalexternal audit efforts credit policyprocessstrategy analysis 30 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 riskrelated operating procedures and applicable pc canada bmo and us policies as well as alignment with the business strategy and risk appetite authorities information access authorities 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 has significant influence over the loan portfolio risk profile and performance this position has direct impact on the achievement of business objectives as they relate to managing risk and delivering against profitability targets associated with the loan portfolio