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

This role leads the management of portfolio strategies that drive growth and positively impact P&L. This role involves overseeing high-level meetings with internal and external partners, including executive leadership level interactions, and serving as the primary escalation point across departments. Day-to-day operations focus on identifying and prioritizing key opportunities, leading projects from initiation to completion, and maintaining clear communication with partners. The role is accountable for optimizing contractual fund usage, meeting payment obligations, and maintaining expert knowledge of client contracts. Leveraging adept reporting skills to align strategies with budget and focus areas, analyzing SLA reports and considering the impacts are essential duties. This role also involves overseeing the effects of portfolio strategies on the client P&L and the enterprise budget, monitoring credit management procedures, and collaborating on escalated issues.

 

Essential Job Functions

• Focuses on building and managing the portfolio strategy, driving overall growth and positive P&L impact. Oversees and leads high-level meetings with internal and external partners, including C-suite interactions, and serves as the primary escalation point across departments. - (30%)
• Leads the day-to-day operations and identifies and prioritizes key opportunities to advance the program, overseeing projects from initiation to completion. Ensures clear communication with partners throughout the process and maintains an active project tracker/roadmap. Ensures on-time project delivery through effective influence and escalation as needed. - (25%)
• Accountable for optimizing contractual fund usage and meeting contractual payment obligations. Maintains expert level understanding of client contracts and is responsible for creating contract summaries. Responsible for analyzing SLA reports and addressing potential SLA misses with external partners. Proactively considers impacts on SLAs during new project and program implementations. - (15%)
• Oversees the impact of portfolio strategies on client P&L and the enterprise budget. Understands internal fraud rules and regulations and analyzes to safeguard profitability. Monitors credit management procedures and cardholder inquiries and collaborates with internal and external partners on escalated issues. Manages program operations and leads the communicates strategies with partners. - (15%)
• Leverages reporting skills to collaborate with matrix and brand partners, ensuring alignment on strategies and focus areas. Plays pivotal role in using reporting for planning, budgeting, forecasting, making real-time decisions, and linking metrics to specific activities. Responsible for communicating results the leadership level and providing strategic recommendations for program growth. - (15%)

Minimum Qualifications

• Bachelor’s Degree in Business Administration, Marketing or related field of study or equivalent, relevant work experience
• 10-13 years work experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management

Preferred Qualifications

• Experience managing or supporting a credit card portfolio, including SLAs, operational performance, risk, fraud, and partner escalations.
• Proven ability to influence and drive results across complex, matrixed organizations and external partner relationships.
• Strong critical thinking, organizational, and project coordination skills with the ability to independently manage multiple priorities and escalation decisions.

 

 
Skills

• Long Term Planning
• Budget Management
• Innovation
• Marketing
• Portfolio Operations
• Account Management
• Relationship Management
• Financial Analysis

Reports To: Director 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 Bread Financial location. Periodic travel to Bread to brand partner offices and events. May require work outside of standard business hours.

Travel

• Ability to travel up to 5% quarterly

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
• 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):

$139,800.00 - $223,700.00

Full Salary Range for position:

California: $160,800.00 - $279,600.00 Colorado: $139,800.00 - $246,100.00 New York: $153,800.00 - $279,600.00 Washington: $153,800.00 - $257,300.00 Maryland: $153,800.00 - $246,100.00 Washington DC: $160,800.00 - $257,300.00 Illinois: $139,800.00 - $246,100.00 New Jersey: $160,800.00 - $257,300.00 Vermont: $139,800.00 - $223,700.00 Ohio: $139,800.00 - $223,700.00 Maine: $139,800.00 - $223,700.00 Connecticut: $153,800.00 - $246,100.00 Virginia: $139,800.00 - $223,700.00

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.

You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders.

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 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.

• 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:

Client Services

Job Type:

Regular