Bread Financial · 1 month ago
Credit Management Lead
Columbus, OH
Full-time
Hybrid
Senior Level, Lead/Staff
$98K/yr - $177K/yr
8+ years expBread Financial is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S consumers. The Lead Credit Management Analyst is integral to the Credit Management function, facilitating profitable growth by managing credit availability and adhering to risk appetite tolerance levels, while also mentoring junior analysts and leading projects to improve business processes.
BankingCredit CardsFinancial ServicesPersonal Finance
Responsibilities
Conduct comprehensive trend analysis to identify patterns and shifts in market behavior. This involves closely monitoring portfolio performance, identifying areas for improvement, and implementing data-driven solutions. Ensure portfolios remain robust and profitable, adapting to changing market conditions and customer needs. - (40%)
Develop and refine underwriting standards to ensure they align with the company’s risk appetite and regulatory requirements. Create credit limit strategies that balance risk and reward. Utilizing advanced data tools, analyze key risk metrics to identify potential issues and opportunities. Your insights will drive decision-making processes, helping to maintain a healthy credit portfolio. - (30%)
Lead projects that address specific business needs is a crucial part of this role. Coordinate cross-functional teams, set project goals, and ensure timely delivery of results. This involves problem-solving, resource management, and effective communication to keep all stakeholders aligned. Your projects will improve business processes, enhance efficiency, and support strategic objectives. - (10%)
As a mentor to junior analysts, you will share your expertise and best practices to help them grow professionally. This includes providing guidance on complex analyses, offering feedback on their work, and fostering a collaborative team environment. Your leadership will contribute to building a strong, knowledgeable team capable of tackling challenging tasks and driving the company’s success. - (10%)
You will work closely with various business units to understand their needs and provide tailored solutions. Effective communication is essential, as you will present your findings and recommendations to senior management and other stakeholders. Your ability to convey complex information clearly and persuasively will be critical in driving strategic initiatives forward. - (10%)
Qualification
Required
Bachelor's Degree in Finance, Business, Economics, Mathematics, Statistics or quantitative field or related
8+ years analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience
Preferred
Master's Degree in Finance, Business, Economics, or quantitative field or related
9+ years SAS/SQL, Python, R proficiency, credit card or other consumer lending experience
Benefits
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.
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.
Company
Bread Financial
Bread Financial is a financial services company.
5001-10000 employees
H1B Sponsorship
Bread Financial has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (12)
2024 (13)
2023 (18)
2022 (5)
Funding
Current Stage
Public CompanyTotal Funding
$2.17B2025-11-20Post Ipo Equity· $72.64M
2025-10-28Post Ipo Debt· $500M
2025-03-05Post Ipo Debt· $400M
Leadership Team
R
Roy Slagle
Senior Director of Software Engineering
Recent News
2026-01-13
2026-01-13
Investor's Business Daily
2026-01-13
Company data provided by crunchbase