Rotational Program Associate - Credit Management

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Job Summary

The Rotational Program Associate position at Bread Financial offers recent college graduates the opportunity to explore different areas of our business and develop a variety of skills. Participants will collaborate with 2-3 different teams throughout our organization in areas such as Global Audit, Risk, Corporate Events and Engagement, People & Culture, Marketing, among possible others. This allows them to better understand their skill set and desired career path. They will also build a firm knowledge of our business and company culture and take part in a Talent Development curriculum focused on self-awareness and early career growth.

Our Credit Management team plays a crucial role in maintaining the financial health and stability of our organization. As a Pathways associate, you will be involved in various aspects of credit assessment, risk analysis, and account management. You'll have the opportunity to work closely with seasoned professionals, gaining hands-on experience in evaluating creditworthiness, managing credit portfolios, and developing strategies to mitigate risk.

Essential Job Functions

• Gaining an understanding of the associate's related area of the enterprise and completion of role-specific training provided by their respective team. Participate and demonstrate new knowledge gained through individual coaching and training conversations, while continuing to expand knowledge of the broader organization. - (30%)
• Demonstrate outstanding verbal and written communication skills when working with internal and external partners. Present information in a clear, concise, and professional manner utilizing technology and innovation. - (20%)
• Build and maintain effective internal and external business partnerships. Identify, resolve, and escalate concerns as needed. - (20%)
• Learn proper process and procedures relevant to an associate's respective team. Utilize knowledge of Microsoft Office tools and specific job-related technology. - (10%)
• Activity-based Training Development curriculum and Talent Mobility programs to facilitate participation development. - (10%)
• Actively seek out opportunities to expand knowledge of the broader business. By completing overviews of other teams, project interactions, or other cross functional collaboration, continuously expand knowledge of the organization, offerings, and innovations. - (5%)
• Follow established guidelines for quality and productivity. Act responsibly to minimize risk and ensure compliance. Support internal and external audits. - (5%)

Minimum Qualifications

Preferred Qualifications

Skills

Reports To : Supervisor 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.

Typical Pay Range : $29.07 - $40.16

Full Pay Range for position :

California : $33.43 - $40.16

Colorado : $29.07 - $35.34

New York : $31.98 - $40.16

Washington : $31.98 - $35.34

Maryland : $31.98 - $35.34

Washington DC : $33.43 - $36.95

Illinois : $29.07 - $35.34

New Jersey : $33.43 - $36.95

Vermont : $29.07 - $32.13

Ohio : $29.07 - $32.13

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, both full time and part time, can immediately enroll in Bread Financial's 401(k) plan.

All associates receive 11 paid holidays. Full-time hourly associates receive a bi-annual grant of Paid Time Off ("PTO") in each January and July based on their service date and scheduled hours, whereas newly hired full time hourly associates in their first year of employment receive a prorated PTO grant on their 61st day of employment based on the month of hire and scheduled hours. Associates will receive a payout of any unused PTO, up to 40 hours, paid out in the next calendar year (except associates in Alaska, California, Colorado, Montana and Nebraska who are paid for all unused PTO). Additionally, hourly associates (except those in California) generally receive 72 hours of Paid Sick Leave Plus ("PSL+") per calendar year, with a pro-rated grant in the associate's first year of employment to the extent allowed by applicable law. If additional PSL+ is required in a particular jurisdiction, the company with comply with applicable law. Unused PSL+ does not carry over from one calendar year to the next unless required by applicable law. Instead of PSL+, hourly associates in California receive 80 hours of Paid Sick and Safe Time ("PSST") upon hire and at the beginning of each subsequent calendar year.

Hired associates will be able to elect the purchase company stock during offering periods in June and December.

Click here for more Benefits and PTO information.

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 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.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

Job Family :

Internships and Special Pgms

Job Type : Regular