Senior Product Owner at Bread Financial (Remote)

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

Job Summary

** This position is currently available for work at home to candidates that reside in the following states: Arizona, Delaware, Georgia, Idaho, Illinois, Indiana, Kansas, Maryland, Missouri, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Utah, Washington (within 80 miles of Coeur d’Alene) or who reside in neighboring states and within 60 miles of Chadds Ford, PA or Lenexa, KS.**
The Senior Product Owner is a key member of the agile team and works with Product Managers to provide a clear tactical vision of the product that will be built. They focus on the end-user experience, and maintain clarity and focus for the team building the product so that they can deliver. This position works with 2 or more Agile Delivery team(s) to support delivery of new and existing digital capabilities. This position leads the execution process within the Agile development teams and supports implementation and run activities. In the role there is accountability for working with the Product Management and Technology teams to help develop infrastructure, capabilities and solutions in support of the business. This role brings the voice of the customer into our Product features, ensures that features delivered are aligned with the intended business and compliance outcome. The Senior Product Owner works collaboratively with relevant internal partners (to include Legal, Compliance, Information Technology, and Risk Management) to ensure product offerings are designed, implemented, and managed in compliance with all applicable laws and regulations.

Job Description

Essential Job Functions 

Strategy & Planning: Works closely with cross functional stakeholders to support and influence a long term digital capabilities roadmap, identify new features, and ensure that delivery of the capability is timely, of the highest quality and in line with cost targets. Consults with business partners to understand current and future business needs requiring multi-platform solutions. Integrates data analytics, capability metrics, user experience research, competitive and market analysis, and company goals to drive prioritization of capabilities initiatives. Focuses on ensuring that the product value proposition and desired business capabilities are reflected in the product developed to ensure the success of the business endeavor. Participates in the creation of business cases and presentations for key internal stakeholders, participates in the capabilities development process, and performs business testing during technical implementations. 


Delivery: Capable of leading multiple Agile teams independently-who can run multiple projects in parallel and or large scale enterprise projects. Represents business stakeholders to elicit, understand, analyze, document, refine and communicate business needs, so that business and/or technical delivery teams can build effective solutions; requiring a detailed understanding of customer needs, as well as business vision and strategy, to prioritize investment, business value and delivery. Works collaboratively within multiple evolving development methodologies including iterative Agile and sequential Waterfall programs and projects, and variations thereof. Serves as the business requirements expert, engaging and managing the work of subject matter specialists from the business. Serves as the day to day decision maker and provides continual business guidance for the execution team. Prioritizes the execution team`s work so that it aligns with the sponsor's/business executive's strategies.  


Risk Management and Strategy alignment: Leads, manages or orchestrates activities for completion and proper documentation of business requirements and validating metrics as appropriate for methodology and Enterprise controls. Works with the business and IT delivery teams to identify and mitigate risks to include business operational risks. Escalates issues and develops and recommends appropriate solutions. Assess value, develop epics, and prioritize stories to ensure work focuses on tasks that provide maximum value and are aligned with business strategy. 

Relationship and Process Management: Is truly ingrained with the Scrum team, building relationships/partnerships. Although not leading people directly, the Product Owner does lead the Scrum team and values building relationships within the team. Works with technology partners to ensure the capabilities are stable, operational and meets service level agreements and partners with technology teams on potential improvements if gaps are realized. Works with business stakeholders during various stages of a product development, including feature and story-level development. Identify product scope, delivery timelines, and dependencies through managing different cross-functional teams, business partners and stakeholders 


Leadership: Trains and mentors Product Owners and serves as an ambassador for the team in more global training, recruiting and associate engagement effort  


Reports to:  Director or Senior Manager 

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

Direct Reports: None 


Minimum Qualifications 

Bachelor’s Degree  in Product Management, BA, IT 

Five to Seven years experience in retail, financial services, payment, online and mobile platforms; Agile developmental techniques; and 3rd party vendors and oversight of 3rd party vendor integration products 


Preferred Experience: 

Some Supervisory experience preferred 


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]

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