Credit Management Analyst

: Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Credit Risk Underwriting and Account Management function is responsible to facilitate profitable growth, regardless of industry or credit product, by approving profitable applicants and ensuring they have the appropriate available credit, while adhering to the contractual guidelines and parameters. The Credit Risk Analyst is responsible for completing the required analysis for a portfolio of clients and recommending necessary changes to parameters, with guidance from the Credit Risk Manager. Essential Job Functions:

• Analysis, Testing and Evaluation: Create and evaluate new account application underwriting standards for portfolios of clients with some guidance from Credit Risk Manager. Analyze performance of past accounts and recommend changes to Underwriting and Credit Limit assignment parameters. Create, test and analyze new credit limit strategies for specific client to increase sales and profitability for existing accountholders. Create and analyze reporting of key credit risk metrics necessary to understand changes in portfolio risk mix and/or trends in customer behavior.

• Business Partnerships and Communication: Act as primary risk contact for Client Sales team. Effectively researches and resolves ad-hoc requests from internal partners and communicates results. Participates in Strategic Account Management process with Client Sales. Create strategies, Underwriting Standards, and Credit Limit assignments for new client implementations. Participate in strategic projects to identify enhancements which will lead to more account approval and higher sales.

Reports to: Senior Manager, Collections Risk Strategy Direct Reports: None 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 needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH; Chadds Ford, PA; Plano, TX; Draper, UT; Wilmington, DE; New York, NY;

Minimum Qualifications:

• Bachelor's Degree or equivalent work experience in Economics, Statistics, Finance, Business, Accounting or completion of a Bread Financial apprentice program.

Preferred Qualifications:

• At least one year in credit management
• 1 year of judgmental lending or manual underwriting experience

This 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: $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 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 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.

• 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: Credit Operations Job Type: Regular