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Job Summary

The Pricing Strategy Analyst will provide analyses and forecasts of credit program portfolio performance to support internal partners and corporate development decisions for new business and renewal prospects, promotional pricing, file performance tracking, and ad-hoc projects as needed. An individual in this role will use a disciplined data-driven approach and a strong understanding of portfolio profitability. This individual will assist in developing insightful analyses to provide concise recommendations for leadership to evaluate & prioritize initiatives and capabilities.

Job Description

Essential Job Functions

Team Collaboration- Work with a cross functional team to determine reasonable assumptions and inputs to build the business case.

Business Case Development – Assist in creating presentations to present financials to senior leadership to help with the decision making and prioritization of global initiatives / projects. Develops cash flow models to evaluate risk and return via metrics such as ROI, ROA, and NPV. These will be used to support business cases and opportunities such as credit card portfolio acquisitions, start-ups, and business strategy. Ability to maintain organization while multi-tasking, paying attention to detail and setting priorities.

Reporting and Documentation- Ensures support and maintenance of key reports used to analyze financial performance. Assist in the review process of contracts and ensures compliance with modeled intentions. Completes research of competitor information and client specific research while communicating cross-functionally as needed. Utilizes excellent written and verbal communication to present research.

Model Enhancements – Recommends and prepares enhancements to models and documentation as necessary.

Presentation - Utilizes excellent written and verbal communication to present research, analysis, and recommendations to leadership and cross functional teams.

Financial Analysis - Complete analysis and forecasting of financial performance and modeling for new business deals and contract renewals. Assist in the preparation of analyses, findings, and/or recommendations to be shared with leadership. Compiles and analyzes profit and loss statements (P&Ls) of numerous verticals. Analyzes and understands company financial statements. Analyzes client performance and trends to identify opportunities to optimize profit as well as protect the company. Is engaged in client discussions, and assists with the identification of objectives and success metrics. Shares findings and best practices with peers and management.

Time and Workload Management – Comfortable working under tight deadlines and varying workloads.

Reports to: Pricing Manager/Senior Manager

Direct Reports: None

Working Conditions/ Physical Requirements: Normal office environment

Work Location: This position may be based remotely in any of the following states: Indiana, Illinois, Ohio, Texas, Kansas, Missouri, Pennsylvania, New Jersey, New York, Delaware, Maryland, Georgia, or North Carolina.

Minimum Qualifications:

High school diploma or equivalent education

Some experience (may include classroom, internship, or work experience) in an analytical role focusing on responsibilities such as P&L statements, financial statements, or other reporting utilizing Excel, SQL or similar technology

Preferred Experience:

Bachelor’s Degree in General Business, Finance or Similar Field

One or more years strong analytical positions (financial services, consulting, credit card industry background preferred), 1-year experience (may include classroom, internship, or work experience) in an analytical role focusing on responsibilities such as P&L statements, financial statements, or other reporting utilizing Excel, SQL or similar technology, financial modeling

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About Bread Financial

• 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].

Disclosure of COVID-19 vaccination status will be required after acceptance of a conditional offer of employment except where prohibited by applicable law. Starting January 2022 and to the extent allowed by applicable law, the Company will require all associates who will be on-site or who will travel or interact with others in person as part of their job duties to either be fully vaccinated against COVID-19 or undergo at least weekly testing. The Company is an equal opportunity employer and will consider reasonable accommodations where required by applicable law.

Job Family:

Finance,Accounting and Banking

Job Type:

Regular