Bread Financial · 1 day ago
Credit Management Lead
Columbus, OH
Full-time
Hybrid
Senior Level, Lead/Staff
$113K/yr - $222K/yr
8+ years expBread Financial is a tech-forward financial services company that provides personalized payment, lending, and saving solutions. The Lead Credit Management Analyst plays a crucial role in managing credit availability, conducting trend analysis, and mentoring junior analysts to ensure a healthy credit portfolio while aligning with the company's risk appetite.
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
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
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
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
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
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
Medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability)
Six weeks of 100% paid parental leave for eligible parents
401(k) plan
11 paid holidays
Flexible Time Off (FTO) program
80 hours of Paid Sick and Safe Time (“PSST”) upon hire
40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year
40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year
Purchase company stock during offering periods in June and December
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
2026-01-09
2025-12-16
2025-11-21
Company data provided by crunchbase