Job Summary
The Principal Enterprise Architect helps define and drive the organization's architectural vision and roadmap. Play a pivotal role in aligning IT strategies with long-term business objectives.Core Financial Platforms: Lead the architecture of core financial systems, ensuring stability, scalability, and alignment with business product roadmaps.
Essential Job Functions
Develop and communicate a strategic enterprise architecture vision. - (20%)
Serve as the technical liaison between business units and IT departments. - (20%)
Lead efforts to modernize and streamline legacy architecture. - (20%)
Establish and enforce architectural best practices and standards. - (20%)
Provide executive-level presentations on architecture initiatives. - (20%)
Minimum Qualifications
Bachelor’s Degree in Computer Science, Information Systems, Engineering, or related field.
8+ years of experience in Information Technology.
Preferred Qualifications
Relevant certifications, such as TOGAF or AWS Solutions Architect
Extensive Infrastructure & Security Expertise – Demonstrated experience in designing and implementing enterprise-level infrastructure solutions with a strong understanding of security principles and patterns.
Cloud Architecture Experience – Hands-on experience with cloud platforms, preferably AWS, with a solid grasp of cloud-native design, deployment, and operations.
Cross-Functional Collaboration – Proven ability to engage with stakeholders across all levels—from lead developers to senior executives—acting as a strategic bridge to ensure alignment and shared understanding.
Strong Technical & Interpersonal Skills – Ability to translate complex technical concepts into business value, with excellent communication, presentation, and influencing skills.
Development Background – Prior experience in software development, including converting business requirements into code and effectively advocating for technical solutions and ideas.
Platform Enablement & Value Stream Engagement – Experience working with platform enablement teams and supporting various value streams within the enterprise architecture landscape.
Polyglot Programming Skills – Proficiency in Java and familiarity with multiple programming languages, showcasing versatility in backend development and integration.
Integration & API Expertise – Deep understanding of backend systems, infrastructure, data integration, and API design—including authentication mechanisms beyond the user interface level.
Networking Knowledge – Familiarity with networking concepts and their application in enterprise environments.
Broad IT Landscape Exposure – Experience across diverse areas of IT, enabling a holistic architectural perspective.
Proof of Concept Development – Ability to create and iterate on proof-of-concept solutions, even when not directly involved in production code development.
Infrastructure as Code & Streaming Interfaces – Experience deploying infrastructure as code, implementing security patterns, and working with streaming data interfaces.
Bachelor’s degree or equivalent education and / or experience in computer Science, Engineering, Mathematics or related field.
In addition to minimum qualification, five or more years IT Architecture; three years delivering architecture for large programs
Skills
Business Cases
Enterprise Architecture Framework
Solution Architecture
Business Alignment
Cloud Architectures
Application Development
IT Roadmap
IT Architecture
The Open Group Architecture Framework (TOGAF)
Technical Debt
Problem Resolution
Reports to: Director
Working Conditions/ Physical Requirements: Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.
Direct Reports: None
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
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):
$134,400.00 - $278,200.00Full Salary Range for position:
California: $154,500.00 - $347,700.00Colorado: $134,400.00 - $292,100.00New York: $147,800.00 - $347,700.00Washington: $141,100.00 - $319,900.00Maryland: $141,100.00 - $306,000.00Washington DC: $154,500.00 - $319,900.00Illinois: $134,400.00 - $306,000.00New Jersey: $154,500.00 - $319,900.00Vermont: $134,400.00 - $278,200.00The 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.
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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
To learn more about Bread Financial, our global associates and our sustainability commitments, 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:
Information TechnologyJob Type:
RegularTop Skills
What We Do
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.
Why Work With Us
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. We’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled.
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