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Job Summary

• Execute assigned models to produce outputs as required. Analyze inputs processing and outputs to glean actionable insights for leadership. Anticipate develop and defend required model adjustments. Proactively enhance model execution processes related control environment and derived insights. - (20%)
• Summarize results into key insights that are easy to understand and useful for operations and strategic decision-making. Expand suite of analytical insights to gain deeper understanding of business drivers. - (20%)
• Present key findings and recommended solutions to internal and external stakeholders. Develops key content for analytical presentations that are easy to understand and insightful for non-technical audiences. - (20%)
• Helps to maintains complete and accurate model and operational processes and procedures. Performs model monitoring and maintenance reviews and remediation when necessary. Establish and perform necessary controls and assist with risk and control self-assessments. Ensure that adequate supporting documentation is preserved for model validators and reviewers as well as regulators. - (20%)
• Partner with internal stakeholders to support model development activities with an execution and business implementation focus. - (10%)
• Looks for and implements continuous improvements to existing processes and procedures. - (10%)

• Bachelors Degree in finance statistics economics or related field of study or equivalent relevant work experience
• 5 years experience with model development execution and analysis in a financial company
• Strong tactical knowledge of CECL and stress testing.

• 7 years experience or more within model development execution and analysis within the credit card industry.

• Financial Modeling
• Financial Acumen
• Technical Acumen
• Virtual Collaboration
• Python (Programming Language)
• Hyperion Essbase
• Microsoft Excel
• Advanced SQL

• 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.

• Ability to travel up to 10% annually

• Communicate/Hearing
• Communicate/Talking
• 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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