Bread Financial

Strategy

• Analyze and forecast financial performance metrics using SQL, Essbase, MicroStrategy, and other relevant sources
• Evaluate client performance against expectations and provide insights through detailed reports and presentations
• Identify process improvement and profitability enhancement opportunities based on portfolio trends and competitive research
• Participate in client discussions to define objectives and success metrics
• Develop client performance reports
• Develop and maintain client deal structure summaries and portfolio performance analyses
• Provide timely and accurate financial reporting to the team and internal partners
• Conduct ad hoc financial analyses
• Support interdepartmental collaboration on projects
• Contribute to the Financial Strategy Team’s strategic objectives

Associate Financial Strategy Analyst

AI Engineer

• Identify, assess, and mitigate risks associated with deploying and using AI technologies
• Conduct AI risk assessments and governance reviews of AI systems, tools, applications, and AI-enabled third-party solutions
• Evaluate governance, data, technology, security, responsible AI, model, deployment, and monitoring needs
• Support risk mitigation and alignment with AI governance policies
• Evaluate AI testing, monitoring, control effectiveness, and assurance needs
• Review testing methods, validation approaches, performance monitoring, issue remediation, control testing, audit readiness, and governance effectiveness
• Assess accuracy, explainability, reliability, drift, hallucinations, human oversight, and unintended outcomes
• Develop, maintain, and update AI governance policies, standards, procedures, risk-based approval processes, and documentation
• Support alignment with frameworks, risk taxonomy, control expectations, intake requirements, and enterprise governance
• Develop AI governance metrics, risk insights, and reporting materials for executive, board-level, governance committee, and leadership discussions
• Translate technical AI concepts, risks, assumptions, limitations, and monitoring results into clear business, risk, compliance, and executive communications
• Support incident response, issue remediation, audit readiness, and ongoing AI governance effectiveness
• Coordinate identification, documentation, monitoring, and remediation of AI-related issues, findings, control gaps, and remediation activities
• Partner with business, technology, cybersecurity, legal, compliance, privacy, data governance, third-party risk, model risk, and enterprise risk functions
• Reports to Senior Director and above; no direct reports

Lead AI Governance Risk Specialist

Account Manager

• Build and manage portfolio strategy to drive growth and positive P&L impact
• Lead high-level meetings with internal and external partners, including C-suite interactions
• Serve as the primary escalation point across departments
• Lead day-to-day operations and prioritize opportunities to advance the program
• Oversee projects from initiation to completion and maintain an active project tracker/roadmap
• Ensure on-time project delivery through influence and escalation
• Optimize contractual fund usage and meet contractual payment obligations
• Maintain expert knowledge of client contracts and create contract summaries
• Analyze SLA reports and address potential SLA misses with external partners
• Assess SLA impacts during new project and program implementations
• Oversee portfolio strategy impacts on client P&L and enterprise budget
• Analyze fraud rules and regulations to safeguard profitability
• Monitor credit management procedures and cardholder inquiries
• Collaborate with internal and external partners on escalated issues
• Use reporting for planning, budgeting, forecasting, real-time decisions, and linking metrics to activities
• Communicate results to leadership and provide strategic recommendations for program growth

Principal - Account Manager, Client Business Management

Product Manager

• Lead a team of product owners and/or product managers focused on complex end-user experiences
• Develop and communicate product vision and strategy
• Align product goals with business objectives
• Oversee creation and maintenance of product roadmaps
• Ensure timely, quality delivery of product features
• Manage the product development lifecycle from ideation to launch
• Coordinate with cross-functional teams to ensure consistency and alignment across products
• Ensure cohesive product development and alignment of team activities with product strategy
• Communicate team progress to senior leadership
• Serve as a liaison between Product and other departments
• Report to a Director or above
• Manage 6–10 direct reports

Senior Manager, Product

Business Intelligence Analyst

• Rotate through 2–3 technical teams across Technology and Analytics Departments
• Explore areas including InfoSec, Engineering, Data Analytics, and Solutions Architecture
• Complete role-specific training and Talent Development curriculum
• Assist Deposit Operations with planning and executing automation improvements
• Create reporting to support a strong, effective control environment
• Support operational reporting requests and metrics
• Build knowledge of the Bread Savings program and broader organization
• Collaborate with internal and external partners and business teams
• Identify, resolve, and escalate concerns as needed
• Participate in cross-functional projects and team overviews
• Support internal and external audits
• Follow established quality, productivity, risk, and compliance guidelines

Rotational Program Associate – Automation & Reporting Analyst

Artificial Intelligence

• Implement, optimize, and support AI- and ML-enabled operational capabilities
• Partner with the Fusion Center, SRE, Incident Management, Change Enablement, and application teams
• Configure, administer, and optimize AI Operations capabilities within observability and monitoring platforms
• Support integrations with monitoring, logging, event management, and ITSM platforms
• Identify, evaluate, and implement AI/ML operational use cases
• Improve root cause analysis, anomaly detection, predictive alerting, and operational efficiency
• Develop and maintain automated remediation workflows, runbook automation, and event-driven operational processes
• Reduce manual effort and improve service restoration times
• Provide technical guidance, document solutions, and support adoption across technology teams
• Evaluate emerging observability and AI Operations capabilities and participate in proof-of-concept activities
• Recommend platform enhancements and process improvements

Staff – Artificial Intelligence Operations

Marketing

• Deliver best-in-class channel strategies and new marketing personalization capabilities
• Support tactical business enablement of a transformative roadmap
• Execute MarTech and related value stream initiatives tied to omnichannel marketing
• Evolve marketing capabilities, channels, media, and platforms enabling personalized customer experiences
• Deliver marketing value stream OKRs and drive growth through acquisition, engagement, and retention strategies
• Develop marketing channel capabilities through the Operating Product Model and/or external vendors
• Manage vendor relationships, invoices, expenses, and process optimization
• Collaborate with Acquisition and ECM marketing teams on platform, process, and capability opportunities
• Establish channel marketing standards and best practices as the subject matter expert
• Monitor acquisition performance trends across partners, products, and channels
• Develop channel-level performance trends, insights, and learning agendas with Analytics and CDAO
• Share performance insights with leadership and cross-functional teams
• Define tactical business requirements with MCOE, Digital, Risk, Fraud, Client Partnerships, and other teams
• Coordinate leadership materials covering acquisition trends, opportunities, and progress toward goals
• Implement legal, compliance, and ERM practices and documentation

Lead – Marketing Platforms, Personalization Strategist

Data Scientist

• Lead enterprise-wide data governance initiatives across Data Quality, Metadata Management, and Critical Data Elements (CDEs)
• Align data governance initiatives with the Enterprise Data Strategy
• Drive data management practices in a highly regulated banking environment
• Ensure compliance with regulatory requirements and interact with regulatory organizations
• Partner with business, risk, legal, and technology teams to establish strong data controls
• Oversee metadata and governance platforms such as Collibra
• Improve data quality outcomes supporting critical business and regulatory reporting
• Implement data management capabilities including data cataloging, data lineage, data profiling, and monitoring
• Develop the Data Management roadmap for multiple capabilities and lead roadmap execution
• Engage organizational partners in data management deliverables
• Ensure clarity of roles and meet communication and training needs
• Identify areas for improvement
• Influence strategy, create roadmaps, and manage delivery
• Manage a distributed team across the U.S. and India, including hiring, coaching, and removing challenges
• Ensure team objectives are met through active collaboration with the team
• Report to a Director and above
• Manage 6–10 direct reports