JOB DESCRIPTION

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Job Summary

The Financial Strategy Team is responsible for working with its partners to help educate and drive profitable decisions for the business as well as providing monthly forecasts and annual budgets. The Financial Strategy Analyst II analyzes, models, and forecasts private label and co-brand credit card portfolio performance to support internal partners and leadership, in addition to developing client contract deal structures, promotional pricing, file performance tracking, file automation and maintenance, and ad hoc projects as needed. They do this through a disciplined data-driven approach and a thorough understanding of portfolio profitability while being able to present analyses to leadership.

Essential Job Functions

Review and evaluate : Analyzes and forecasts elements of financial performance based on information obtained with little assistance via SQL, Essbase, MicroStrategy, etc., and publishes reporting / findings as needed. Analyzes client performance and compares actual performance to expected performance. Completes ad hoc assignments as needed, including interdepartmental collaboration, creating materials and presenting findings. Understands basic drivers of portfolio profitability and can apply this knowledge to various financial forecasts and models. Utilizes knowledge of databases and Microsoft Office tools such as Word, Advanced Excel, PowerPoint, and Teams to execute daily work.

Create and design : Helps bring opportunities to the process based on portfolio trends. Actively contributes to internal client discussions and supports brand discussions as needed. Understands objectives and success metrics, as well as potential areas for concern. Responsible for researching competitor information. Able to maintain organization in order to multitask and prioritize projects while adhering to deadlines. Examples of duties may be, but are not limited to, creating Client Performance Reports, reviewing client P&Ls, monthly forecasting and budgeting, reviewing and analyzing marketing campaigns, reviewing client performance and driving recommendations to improve profitability, etc. Works with some supervision to help identify and solve problems.

Reporting : Creates and updates ad hoc reporting based on business needs. Maintains key reports and models used to analyze and forecast credit portfolios. Develops and provides key financial reporting for the team and internal partners with some assistance. Strongly attentive to detail and quality of information. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work. Independently leverages data sources such as Essbase, SQL, and Microstrategy to build and maintain reports.

Reports to Director, Financial Strategy / Manager, Financial Strategy / Lead Analyst, Financial Strategy

Working Conditions / Physical Requirements

• Normal office environment, some travel may be required.

This position is hybrid with an onsite schedule of 3 - 4 days per month.

In-office requirements are subject to change based on business need.

This position is currently available to candidates that reside within 60 miles of a Bread Financial location.

Occasional on-call responsibilities

Direct Reports

N / A

Minimum Qualifications :

Associate’s Degree or equivalent business experience in Finance, Accounting, Economics, Analytics, or similar

Two or more years using software such as advanced functions in Excel, SQL, etc. to complete analysis and reporting.

Preferred Experience :

Bachelor’s Degree Finance, Accounting, Economics, Analytics, or similar

Two to four years in Financial Services field, ideally private label and / or bankcard credit

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.

Typical Starting Range :

61, - $112,

Full Salary Range for position :

California : $71, - $140,Colorado : $61, - $117,New York : $68, - $140,Washington : $65, - $129,

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.

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About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both 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 FinancialTM is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices.

Job Family : Finance & Accounting

Job Type : Regular