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Job Summary

The Credit Management Department plays a crucial role in facilitating profitable growth by managing the risk/reward tradeoff for various credit decisions throughout the lifecycle of an account. These touch points include, but are not limited to new account approval criteria, initial credit limit assignment, existing account credit line management, credit authorizations, card reissue, high-risk account management, marketing program credit qualification, and P&L delinquency and loss forecasting.
Credit Management continuously develops and refines criteria in these areas by brand, product (cobrand, PLCC, installment loan), and channel. The team collaborates with business partners to achieve best-in-class profitability while adhering to industry regulatory guidelines. As a Senior Analyst, your responsibility is to ensure that the actions taken align with the department's goals.

 

Essential Job Functions

• Develop and assess new account acquisition strategies to drive growth. Analyze past performance to refine strategies and create new credit limit policies. Generate detailed reports on key credit risk metrics to guide decision-making. - (50%)
• Address ad-hoc requests from internal stakeholders promptly and effectively. Evaluate, research, and resolve various issues that arise. Communicate clearly and build strong relationships with different departments. - (20%)
• Utilize SQL, SAS, Python, and R to create comprehensive reports. Use data visualization tools like APT, Decision Trees, and Microsoft Office to present findings. Share insights with Credit Risk Leadership, Brand Strategy, Client Partnership, and other key stakeholders. - (20%)
• Ensure all credit policies and procedures comply with regulatory requirements and internal standards. Regularly review and update policies to reflect changes in regulations and market conditions. Conduct risk assessments and audits to identify and mitigate potential compliance issues. - (10%)

Minimum Qualifications

• Bachelor’s Degree in Finance, Business, Economics, or quantitative field or related
• 5+ years analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience

Preferred Qualifications

• Master’s Degree in Finance, Business, Economics, or quantitative field or related
• 6+ years SAS/SQL, Python, R proficiency, credit card or other consumer lending experience.

Skills

• Account Management
• Data Analytics
• Data Visualization
• Decision Trees
• Pivot Tables
• Python (Programming Language)
• R Programming
• SAS
• Structured Query Language (SQL)
• Trend Analysis

Reports To: Associate Manager and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Focus and complete tasks in situations that have a speed or productivity metric
• Maintain focus in high pressure or fast-paced work environment

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Salary Range (unless otherwise noted below):

$79,500.00 - $144,100.00

Full Salary Range for position:

California: $91,500.00 - $180,100.00

Colorado: $79,500.00 - $151,300.00

New York: $87,500.00 - $180,100.00

Washington: $83,500.00 - $165,700.00

Maryland: $83,500.00 - $158,500.00

Washington DC: $91,500.00 - $165,700.00

Illinois: $79,500.00 - $158,500.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26.  New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period).  Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period.   Hired associates can immediately enroll in Bread Financial’s 401(k) plan.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click here for more Benefits information.

About Bread Financial

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act.  Applicants with criminal histories are encouraged to apply.
• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws.  The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations.  If you need assistance to accommodate a disability, you may request an accommodation at any time.  Please contact the Recruiting Team at TaOps@breadfinancial.com.

Job Family:

Credit Operations

Job Type:

Regular