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Job Summary

The Financial Strategy Team is responsible for working with its partners to help educate and drive profitable decisions for the business as well as providing monthly forecasts and annual budgets. The Financial Strategy Manager may lead and develop a team responsible for financial analysis, modeling and forecasting or may be an independent contributor leading various efforts and owning significant business relationships. They own and oversee the creation of analyses, models, and forecasts for private label and co-brand credit card portfolios to support internal partners and leadership. They also own and lead the development of client contract deal structures, promotional pricing, file performance tracking, file automation and maintenance, and ad hoc projects as needed. The Financial Strategy Manager prepares and presents complex financial information to all areas of Card Services. They do this through a disciplined data-driven approach and a thorough understanding of portfolio profitability while being able to effectively present analyses to all levels of management and effectively communicate and represent the team.

Job Description

Essential Job Functions:

Review and evaluate - Manages the analysis and monthly forecasting of financial performance elements based on information obtained via SQL, Essbase, MicroStrategy, etc., and publishes reporting/findings as needed. Leads variance reporting comparing actual performance to expected performance. Owns and leads ad hoc assignments as needed, including interdepartmental projects and analyses. Understands file harmonics and demonstrates ownership of financial models and outputs, including, but not limited to, pricing models and monthly forecast models. Presents findings and work to all levels of management and influences outcomes and decisions. Reviews work of analysts and provides constructive feedback. Utilizes knowledge of databases and Microsoft Office tools such as Word, Advanced Excel, PowerPoint, and Teams to execute daily work. 

Create and design – Identifies opportunities based on portfolio trends and excels in thought leadership. Drives strategic internal discussions with senior leaders and actively participates in brand partner discussions and presentations as needed. Identifies objectives and success metrics, proactively solves problems and removes barriers, and makes strategic recommendations based on portfolio trends, market research, contracts, and client relationship dynamics. Able to maintain organization in order to multitask and prioritize projects while adhering to deadlines both for self and team. Examples of duties may be, but are not limited to, owning the creation of Client Performance Reports, reviewing client P&Ls, monthly forecasting and budgeting, reviewing and analyzing marketing campaigns, reviewing client performance and driving recommendations to improve profitability, etc. Able to assist, train, and lead other analysts regarding key job duties while demonstrating business perspective. Proficiently identifies and solves problems and ensures work is management ready. 

Reporting – Owns the creating and updating of ad hoc reporting based on business needs. Maintains key reports used to analyze and forecast credit portfolios. Leads the development and distribution of key financial reporting for internal partners. Strongly attentive to detail and quality of information. Able to review other’s work for content and accuracy and coach as needed. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work. Leverages data sources such as Essbase, SQL, and Microstrategy to build reports and train other associates.

Reports to: Sr. Manager, Director, or VP of Financial Strategy

Working Conditions/ Physical Requirements: Remote with occasional in office expectations

Direct Reports: 0-4

Minimum Qualifications:

Bachelor’s Degree or equivalent relevant work experience

Area of Study: Finance, Accounting, Economics, Analytics, or similar

Seven to ten plus years Financial Services field, background in financial analysis, reporting, and modeling, Banking, Accounting

Preferred Experience:

Degree Preferred: MBA, Master’s Degree, CPA, or CFA

Area of Study Preferred: Finance, Accounting, Economics, Analytics or similar

Seven to ten plus years Financial Services field, ideally private label and/or bankcard credit

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.

About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally-enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded payment, lending and saving products.

Formerly Alliance Data, Bread Financial is an S&P MidCap 400 company headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its 6,000+ global associates.

• 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:

Accounting / Finance

Job Type:

Regular