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Job Summary

The Principal Software Engineer is a pivotal leader in the organization, responsible for shaping the strategic direction of the software development lifecycle (SDLC) across full stack, front-end and backend. This role involves making strategic decisions to enhance system scalability, security, and performance, while championing the highest standards in coding, testing protocols, and automation strategies. The Principal will drive the design, provide inputs on architecture and delivery of transformative applications that align with user requirements and business objectives along with upholding enterprise standards. Their expertise will be instrumental in optimizing SDLC processes and pioneering new technologies. This role demands a profound technical mastery and the ability to mentor and inspire engineers, fostering a culture of innovation and excellence.

 

Essential Job Functions

• Spearhead conceptualization and implementation of cutting-edge financial technology solutions. Transform business requirements into innovative applications tailored to user requirements and guide their seamless execution. Make strategic decisions to enhance system scalability, security, and performance. - (20%)
• Define and champion the highest standards in coding, testing protocols, and automation strategies. Diagnose and eliminate defects, performance bottlenecks, and inefficiencies with a strategic approach and by leveraging AI/ML tools. Drive the evolution of SDLC processes to align with enterprise objectives, emphasizing exceptional quality, scalability, and expedited time-to-market. - (15%)
• Provide visionary leadership in designing scalable, secure, and robust software development processes. Ensure alignment with long-term strategic goals and oversee the entire software development lifecycle. Offer unparalleled guidance and technical direction, fostering innovation and excellence within the team. - (20%)
• Initiate and lead projects utilizing cutting-edge technologies to significantly improve system performance. Conduct comprehensive code reviews, enforce best practices, and ensure the delivery of high-quality, scalable solutions that set industry benchmarks. Provide technical on-call support and respond to incident inquiries as needed. - (15%)
• Formulate and execute strategies for advanced UI/UX enhancements by partnering with cross-functional leaders. Leverage user feedback to drive continuous improvement and ensure alignment with evolving business needs. - (10%)
• Act as a senior technical advisor, cultivate and maintain relationships with senior stakeholders to align strategic priorities. Guide and develop best practices in software engineering and agile development, while leading enterprise-wide initiatives aligned to the strategic priorities of the organization. - (10%)
• Exhibit deep expertise in multiple programming languages and lead the development of multiple mission-critical applications. Serve as a distinguished subject matter expert in SDLC across full stack, back end and front end. Lead the adoption of emerging technologies positioning the organization at the forefront of technological innovation. - (5%)
• Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally.  Request and utilize feedback to foster personal development. - (5%)

Minimum Qualifications

• Bachelor’s Degree in Computer Science or related field of study or equivalent, relevant work experience.
• 1 cloud certification- AWS cloud practitioner, Microsoft Azure Fundamentals or Google Cloud- Cloud Digital Leader
• 13-15 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).

Preferred Qualifications

• 15-17 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).

Skills

• Agile Methodology
• DevOps
• Java (Programming Language)
• JavaScript
• Microsoft Azure Functions
• Microsoft Azure SQL
• Full Stack Development
• Amazon Web Services (AWS)
• React.js
• Angular
• Flutter

Reports To: Director and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

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.

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 deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, 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 progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

Job Family:

Information Technology

Job Type:

Regular