Senior Financial Strategy Analyst at Bread Financial (Remote)

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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 Senior Financial Strategy Analyst independently analyzes, models, and forecasts private label and co-brand credit card portfolio performance to support internal partners and leadership, in addition to developing client contract deal structures, promotional pricing, file performance tracking, file automation and maintenance, and ad hoc projects as needed. 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.

Job Description

Essential Job Functions

Review and evaluate - Analyzes and forecasts elements of financial performance based on information obtained independently via SQL, Essbase, MicroStrategy, etc., and publishes reporting/findings as needed. Analyzes client performance and compares actual performance to expected performance. Leads and completes ad hoc assignments as needed, including interdepartmental collaboration. 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. Utilizes knowledge of databases and Microsoft Office tools such as Word, Advanced Excel, PowerPoint, and Teams to execute daily work. 

Create and design – Brings opportunities to the process based on portfolio trends. Leads internal client discussions and participates in brand discussions as needed. Identifies objectives and success metrics, proactively raises concerns, and makes recommendations. Responsible for researching competitor information. Able to maintain organization in order to multitask and prioritize projects while adhering to deadlines. Examples of duties may be, but are not limited to, creating 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. Works with minimal supervision to help identify and solve problems. 

Reporting – Creates and updates ad hoc reporting based on business needs. Maintains key reports and models used to analyze and forecast credit portfolios. Develops and provides key financial reporting for the team and internal partners. Strongly attentive to detail and quality of information. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work. Independently leverages data sources such as Essbase, SQL, and Microstrategy to build and maintain reports.

Reports to Director, Financial Strategy /Manager, Financial Strategy /Lead Analyst, Financial Strategy

Working Conditions/ Physical Requirements Normal office environment..

Direct Reports


Minimum Qualifications:

Associate’s Degree or equivalent business experience in Finance, Accounting, Economics, Analytics, or similar

Three or more years of experience Using software such as advanced functions in Excel, SQL, etc. to complete analysis and reporting.

Preferred Experience:

Bachelor’s Degree in Finance, Accounting, Economics, Analytics, or similar

Four or more years experience in 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 is a tech-forward financial services company empowering customers with simple, personalized payment, lending and saving solutions for customers and consumer-based industries in North America.

  • 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:


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