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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.

 

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. (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

N/A

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

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):

$79,500.00 - $144,100.00

Full Salary Range for position:

California: $91,500.00 - $180,100.00

Colorado: $79,500.00 - $151,300.00

New York: $87,500.00 - $180,100.00

Washington: $83,500.