It's fun to work in a company where people truly BELIEVE in what they're doing!

Job Summary

Bread is a technology company that aims to transform the way the world shops online. We build tools, technologies and APIs that allow e-commerce merchants to integrate installment loan financing and other alternative payment products anywhere in their customers’ shopping journey. Bread has enormous and engaging technical challenges. We need to verify online identity, predict fraud, and approve and price credit while providing a beautiful and frictionless consumer experience, all in real time. Our Engineering team plays a critical role in allowing us to grow our business and the success of our brand partners.
As engineering is core to our business, we believe strongly in the value of continuous investment in the overall health and quality of our technology. One way we do this is via Working Groups. Working Groups are quarterly teams of engineers who set out to tackle a specific engineering initiative outside of their primary engineering team. Working Groups have included such areas as Logging Architecture, Internal Authentication, Community & Blogs, Testing Infrastructure, and Monitoring. Groups meet weekly plan and own their roadmap and implement their features. All engineers get a chance to be in one of these groups and over time potentially lead a group for that quarter.
Distinction Member team: The Member team is responsible for building the full life cycle loan servicing platform & UI which are integral to the success of the business. The team works on multiple distributed services written in Go for functionality such as the high volume loan processes, ledger, payment processing, and more. The team also owns the consumer and servicing applications and experiences, developed in React. We are looking for software engineers to join our team working on scaling and distributed systems challenges as we continue to grow and enhance our platform.
Distinction Merchant team: The Merchant Engineering team is responsible for our post-checkout API, tools, and data solutions which allow Bread's merchants and partners to reliably operate the Bread platform at scale. The team's services, written in Go, are centered around high-volume, real-time transaction management, as well as modeling the complex relationships between buyers, financiers, and merchants. The team also owns a Merchant Portal which serves as the primary user interface for Bread, its merchants, and its partners to understand, manage, and optimize the Bread platform experience. This is a full stack team, with both backend and frontend components.
Distinction Shop team: The Shop team focuses on providing the user experience and API’s which power Bread’s ability to offer a checkout experience to any one of our customers or partners. This includes things such as owning our checkout modal and experience, credit decisioning and fraud decisioning engines, UX for different payment options, and growth opportunities. Teams work with React and Javascript on the Front End, and a Go services oriented architecture on the backend.

Job Description

Essential Job Functions

Quality and Testing - Consistently writes production-ready code that is easily testable, easily understood by other developers, and accounts for edge cases and errors. Understands when it is appropriate to leave comments, but biases towards self-documenting code. Understands the testing pyramid, and writes unit tests as well as higher level tests in accordance with it. Always writes tests to handle expected edge cases and errors gracefully, as well as happy paths.

Debugging and Observability - Proficient at using systematic debugging to diagnose all issues located to a single service. Uses systematic debugging to diagnose cross service issues, sometimes with help from more senior engineers. Is aware of the organization's monitoring philosophy. Helps tune and change the monitoring on their team accordingly. Is aware of the operational data for their team’s domain and uses it as a basis for suggesting stability and performance improvements.

Software Design and Architecture- Understands their team's domain at a high level and can gather sufficient context to work productively within it. Has expertise in a portion of their team's domain. Consistently designs code that is aligned with the overall service architecture. Utilizes abstractions and code isolation effectively.

Security -  Approaches all engineering work with a security lens. Actively looks for security vulnerabilities both in the code and when providing peer reviews.

Incremental Value Delivery - Reviews tasks critically and ensures they’re appropriately sized for continuous integration and incremental delivery. Ensures tasks are prioritized correctly, and that dependencies are noted. Handles risk, change, and uncertainty within their personal scope of work effectively. Decides and acts responsibly without having the total picture during routine business and when in high pressure situations.

Self-Organization - Ensures their commitments are realistic, understands their priority and urgency, and delivers upon them accordingly. Anticipates and communicates blockers, delays, and cost ballooning for their work before they require escalation. Ensures expectations within their team are clarified between all parties involved. When taking action, weighs cost and value in order to take the most economic action. Uses this thinking in their own work, and to make suggestions to teammates.

Feedback and Communication - Delivers praise and constructive feedback to their team, teammates, and manager in a useful manner. Delivers feedback to their team's business stakeholders when opportunities arise. Actively seeks out feedback from their teammates and manager, and works to use feedback that they receive as a tool for growth. Communicates effectively, clearly, concisely in written and verbal form both technical and non-technical subjects, and in an audience-oriented way. Actively listens to others and ensures they are understood. Pays attention to nonverbal communication. Understands their team's domain, shares their knowledge frequently with their teammates and contributes to their team's documentation. Watches out for opportunities to share knowledge and encourages others to do the same.

Collaboration - Sometimes helps their teammates overcome obstacles, resolve blockers, and complete work tasks. Gives or shares credit where due. Works to build strong relationships with their teammates, manager, as well as their teams' relevant business stakeholders. Encourages their teammates to openly share their opinions and contribute to discussions in a respectful manner. Approaches disagreement non-defensively with inquisitiveness. Uses contradictory opinions as a basis for constructive, productive conversations. Is open to changing their perspective and plans based on others' input.

Leadership - Strives to be objective and reflects on their own biases when making decisions. Holds themselves accountable for decision and outcomes. Has conversations based on organizational strategy and principles with their teammates when appropriate to ensure team alignment. Strongly oriented towards goals and ensures their team is continuously working towards their shared goals. Regularly thinks about team practices and processes and discusses improvements with team. Facilitates discussions within their team, ensuring that everyone has an opportunity to share their opinion and be heard, and that discussion outcomes tie to stated goals. Encourages quiet participants and ensures no one person dominates the conversation. Mentors their teammates in an open, respectful, flexible, empathetic manner. Seeks out mentoring opportunities specifically to create team redundancy and backfill ability.

Strategic Impact - Has a thorough understanding of their team's domain, and how it contributes to overall business strategy. Has a basic understanding of adjacent teams' business domains. Understands the organization's engineering strategy. Usually involved in discussions about the implications for their team. Thoroughly understands the business model in relation to their current product focus area. Sometimes participates in roadmap feedback with product team. Looks for opportunities to simplify product & technical design.

Reports to: Manager or Above

Direct Reports: none

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

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

Minimum Qualifications:

High school diploma or equivalent education  

Five or more years with technical components utilized by the team

Preferred Experience:

Bachelor’s degree in Information Technology, Computer Science, or related area of study

Six or more years with technical components utilized by the team

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].

New York City, NY: Disclosure of COVID-19 vaccination status will be required after acceptance of a conditional offer of employment for associates who will work in the Company’s New York City, New York office on a full-time or hybrid basis (“NYC Associates”) to the extent allowed by applicable law. NYC Associates are required to be vaccinated against COVID-19 to work on-site. The Company is an equal opportunity employer and will consider reasonable accommodations where required by applicable law. 

Job Family:

IT Engineering

Job Type:

Regular