Every career journey is personal. That's why we empower you with the tools and support to create your own success story.

Be challenged. Be heard. Be valued. Be you ... be here.

Job Summary

This financial role plays a critical role within the Financial Strategy Team, providing analytical insights and forecasts to drive profitable business decisions related to private label and co-brand credit card portfolios. Utilizing a data-driven approach and a deep understanding of portfolio profitability, the Analyst performs comprehensive financial analyses, evaluates client performance, and supports strategic initiatives such as client contract structuring, promotional pricing, and file performance tracking. The Analyst is also responsible for delivering timely and accurate financial insights, supporting ad-hoc projects, and contributing to the team's strategic objectives.

 

Essential Job Functions

• Analyze and forecast financial performance metrics using data from SQL, Essbase, MicroStrategy, and other relevant sources. Evaluate client performance against expectations and provide insights through detailed reports and presentations. - (35%)
• Identify and evaluate opportunities for process improvement and profitability enhancement based on portfolio trends and competitive research. Participate in client discussions to define objectives and success metrics and develop client performance reports. - (30%)
• Develop and maintain key financial reports, including client deal structure summaries and portfolio performance analyses. Provide timely and accurate financial reporting to the team and internal partners, ensuring data integrity and clarity. - (25%)
• Conduct ad-hoc financial analyses and support interdepartmental collaboration on various projects, contributing to the team's strategic objectives. - (10%)

Minimum Qualifications

• High School Diploma or GED
• 0-1 years experience in Financial Services, with a focus on credit-related products and services

Preferred Qualifications

• Bachelor’s Degree in Accounting, Finance, or related field of study or equivalent, relevant work experience
• 3+ years experience in Financial Services, with a focus on credit-related products and services

Skills

• Financial Reporting and Analysis
• Portfolio Analysis
• Competitor Analysis
• Financial Forecasting
• Ad Hoc Reporting
• Data Analytics
• MicroStrategy
• Hyperion Essbase
• Structured Query Language (SQL)
• Profit Management
• Pivot Tables
• Profit and Loss Responsibility

Reports To: Manager and above

Direct Reports: 0

Work Environment

• 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.

Travel

• Ability to travel up to 5% annually

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
• Move/Traverse
• Reaching
• Standing
• Stationary Position/Seated
• Typing/Writing

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):

$55,200.00 - $100,000.00

Full Salary Range for position:

California: $63,500.00 - $125,000.00

Colorado: $55,200.00 - $105,000.00

New York: $60,700.00 - $125,000.00

Washington: $58,000.00 - $115,000.00

Maryland: $58,000.00 - $110,000.00

Washington DC: $63,500.00 - $115,000.00

Illinois: $55,200.00 - $110,000.00

New Jersey: $63,500.00 - $115,000.00

Vermont: $55,200.00 - $100,000.00

The 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 d