Senior Product Owner Credit Management

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Job Summary

We are seeking a Credit Management Product Owner to help shape and advance our enterprise credit risk capabilities. Our integrated digital platform supports robust credit processesincluding risk assessment monitoring collections and reportingproviding the foundation for effective risk management and profitable growth.

In this pivotal role you will partner with cross-functional teams to define and deliver solutions that align with established risk appetite tolerance levels while enabling business objectives. Candidates with experience in risk scores and strategy credit bureau data and platforms such as Experians PowerCurve are strongly preferred. This position offers the opportunity to influence credit management practices across the organization and drive innovation in how we assess and manage risk.

Essential Job Functions

• Influence the digital capabilities roadmap by identifying new features and adding to the backlog. Stay updated with industry developments analyze market data and use insights for product decisions. May participate in client facing discovery sessions. Identifies and may lead optimization opportunities increasing initiative throughput. - (30%)
• Prioritize and maintain product backlog. Lead multiple agile teams while managing relationships with key stakeholders and leadership. This involves presenting product updates gathering feedback and ensuring alignment with the overall business strategy. - (30%)
• Manage activities for business requirements documentation risk identification and mitigation. Identify and implement process improvements to enhance product development enablement and / or BAU support efficiency. This includes streamlining workflows adopting new tools and methodologies and fostering a culture of continuous improvement. - (20%)
• Build partnerships within the Scrum team ensure stable and operational capabilities and manage cross-functional team dependencies. Will also build partnerships across enablement and cross-functional teams maintaining adherence to implementation timelines and standards. Continually looking to optimize processes and customer experience. - (10%)
• Train and mentor Product Owners this includes offering advice sharing best practices and helping them develop their skills and knowledge. May participate in recruitment and associate engagement efforts. - (10%)

Minimum Qualifications

Preferred Qualifications

Skills

Reports To : Manager and above

Direct Reports : 0

Work Environment

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.

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) :

$97900.00 - $177400.00

Full Salary Range for position :

California : $112600.00 - $221800.00

Colorado : $97900.00 - $186300.00

New York : $107700.00 - $221800.00

Washington : $102800.00 - $204000.00

Maryland : $102800.00 - $195200.00

Washington DC : $112600.00 - $204000.00

Illinois : $97900.00 - $195200.00

New Jersey : $112600.00 - $204000.00

Vermont : $97900.00 - $177400.00

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 Financials 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

At Bread Financial youll have the opportunity to grow your career give back to your community and be part of our award-winning culture. Weve been consistently recognized as a best place to work nationally and in many markets and were proud to promote an environment where you feel appreciated accepted valued and fulfilledboth personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread Financial (NYSE : BFH) is a tech-forward financial services company that provides simple personalized payment lending and saving solutions to millions of U.S consumers. Our payment solutions including Bread Financial general purpose credit cards and savings products empower our customers and their passions for a better life. Additionally we deliver growth for some of the most recognized brands in travel & entertainment health & beauty jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.

To learn more about Bread Financial our global associates and our sustainability commitments visit or follow us on Instagram and LinkedIn.

Job Family : Marketing

Job Type : Regular

Required Experience :

Senior IC

Key Skills

Cyber Security,Christmas Temporary,Attorney,Inspection,Embedded C

Employment Type : Full-Time

Experience : years

Vacancy : 1

Monthly Salary Salary : 107700 - 221800