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Job Summary

Essential Job Functions

• Develop and communicate the product vision and strategy for emerging digital commerce capabilities including AI-enabled and agent-driven commerce experiences. Align product goals with business objectives and oversee the creation and maintenance of product roadmaps supporting internal proofs of concept brand pilots and long-term platform development. - (40%)
• Ensure timely high-quality delivery of product features that support AI-driven commerce capabilities such as product discovery within LLM platforms offer and financing presentment and headless checkout integrations. Manage the product development lifecycle and coordinate cross-functional teams to ensure consistency and alignment across product initiatives. - (30%)
• Oversee the creation and maintenance of product roadmaps supporting internal proofs of concept brand pilots and scalable platform capabilities that enable AI-driven commerce experiences. Ensure alignment of team activities to the overall product strategy and roadmap. - (20%)
• Communicate team progress pilot outcomes and strategic insights to senior leadership. Act as a liaison between product engineering platform and business teams to support alignment on emerging agentic commerce opportunities and long term scale & commercialization - (10%)

Minimum Qualifications

• High School Diploma or GED.
• 8 years of experience in product management or related field such as business analysis or project management including experience delivering digital platform capabilities or integrated technology solutions.
• 5 years of direct leadership experience.

Preferred Qualifications

• Bachelors Degree in Product Management Business Analysis or Information Technology or related field of study or equivalent relevant work experience.
• 10 years of experience in Product Management Business Analysis Information Technology financial services payments or digital commerce platforms.
• Experience defining product vision strategy and roadmaps supporting modern digital ecosystems such as AI platforms conversational interfaces marketplace integrations or embedded commerce experiences.
• Experience with Agentic Commerce frameworks and protocols (UPC ACP AP2 MCP) and operationalizing agentbased AI systems built on platforms such as Gemini or ChatGPT.

Skills

• Agile Product Development
• Product Management
• Product Roadmapping
• Financial Acumen
• API Integration
• Artificial Intelligence (AI)
• Strategy Execution
• Agentic AI
• Digital Commerce
• Digital Product Strategy
• Stakeholder Management
• External Collaboration

Reports To: Director and above

Direct Reports: 2 - 5

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 10% 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
• Stationary Position/Seated
• Typing/Writing
• Maintain focus in high pressure or fast-paced work environment

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):

Full Salary Range for position:

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. payment solutions deliver growth for some of the most recognized brands in travel & entertainment health & beauty technology electronics jewelry home and specialty apparel through ourco-brand and private label credit cards and pay-over-time products providing choice and value to our shared we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates our performance and our sustainability progressvisit 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 .

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