Credit Management Lead

Bread Financial•Columbus, OH

13d•Hybrid

About The Position

The Lead Credit Management Analyst is integral to our Credit Management function, facilitating profitable growth by managing credit availability and adhering to risk appetite tolerance levels. This role requires independent analysis, strategy development for significant clients, and mentorship of other risk analysts.

Requirements

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

Nice To Haves

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.

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.

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. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.
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.