Strategy analyst

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Job Summary

The Pricing Strategy Associate Analyst plays a pivotal role in driving profitable growth by providing comprehensive financial analysis and forecasting for credit program portfolios. This position supports strategic corporate development decisions for new business and contract renewals, promotional pricing, and performance tracking. Utilizing a data-driven approach and a deep understanding of portfolio profitability, the Analyst develops insightful analyses and recommendations for senior leadership. The Analyst ensures the accuracy and integrity of financial reports, reviews contracts for compliance, and presents findings and recommendations to leadership, contributing to informed decision-making and strategic initiatives.

Essential Job Functions

• Develop robust financial models, including cash flow analyses using ROI, ROA, and NPV, to support business cases for strategic initiatives such as portfolio acquisitions and new business ventures. Create and present financial presentations to senior leadership, providing key insights for decision-making. - (30%)
• Conduct comprehensive financial analysis and forecasting of credit program portfolio performance, including P&L analysis and client trend analysis, to identify opportunities for profit optimization and risk mitigation. Prepare detailed analyses and recommendations for leadership. - (25%)
• Collaborate with cross-functional teams to determine key assumptions and inputs for financial models and business cases. Maintain and enhance key financial reports, ensuring data accuracy and integrity. - (20%)
• Conduct competitive and client-specific research to support strategic initiatives. Review and analyze contracts to ensure compliance with financial models and reporting requirements. Prepare and present research findings and reports to relevant stakeholders. - (15%)
• Recommend and contribute to enhancements of financial models, documentation, and reporting processes to improve efficiency and accuracy. - (10%)

Minimum Qualifications

• High School Diploma or GED
• 0-1 years of experience in Financial Services, with a focus on credit-related products and services

Preferred Qualifications

• Bachelor’s Degree in Accounting, Finance, or related field
• 2+ years of experience in Financial Services, with a focus on credit-related products and services

Skills

• Ad Hoc Analysis
• Financial Modeling
• Quantitative Analytics
• Income Statements
• Structured Query Language (SQL)
• Microsoft Office
• Data Analytics

Reports To : 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.

• Communicate/Hearing
• Communicate/Talking
• Move/Traverse
• Reaching
• Standing
• Stationary Position/Seated
• Typing/Writing

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)

$55,200.00 - $100,000.00

Full Salary Range For Position

California: $63,500.00 - $125,000.00

Colorado: $55,200.00 - $105,000.00

New York: $60,700.00 - $125,000.00

Washington: $58,000.00 - $115,000.00

Maryland: $58,000.00 - $110,000.00

Washington DC: $63,500.00 - $115,000.00

Illinois: $55,200.00 - $110,000.00

New Jersey: $63,500.00 - $115,000.00

Vermont: $55,200.00 - $100,000.00

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

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.

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

• 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 [email protected].

Job Family

Finance,Accounting and Banking

Job Type

Regular