Senior Manager- Collections Strategy and Analytics

Bread Financial•Columbus, OH

3d•Hybrid

About The Position

The Senior Manager of Collections Strategy & Analytics provides senior-level leadership for collections strategy design, portfolio performance analysis, and analytical governance. This role is accountable for portfolio-level outcomes, establishes governance and quality standards, and ensures collection strategies align with credit risk objectives, operational capacity, customer treatment expectations, and financial goals. Beyond team leadership, the Senior Manager drives strategy development, test prioritization, and investment decisions by evaluating financial tradeoffs, assessing impacts to portfolio performance and operating costs, and incorporating forecasting considerations into decision-making. The role partners with cross-functional stakeholders to align priorities, support strategic initiatives, and deliver insights that drive business performance and operational effectiveness.

Requirements

High School Diploma or GED
10-13 years of experience in analytics or financial forecasting and/or credit risk analysis
3+ years of leadership experience
Fraud Analysis
Analytics Insights
Credit Risk Analysis
Pivot Tables
Structured Query Language (SQL)
Financial Analysis
Financial Research
Collections Strategies
Reports To : Director and above
Direct Reports : 2 - 5
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 10% 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.
You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization.
The Company cannot offer employment to F-1 (student) visa holders.

Nice To Haves

Bachelor’s Degree in Finance, Accounting, Statistics or Economics
15+ years of experience in analytics or financial forecasting and/or credit risk analysis

Responsibilities

Partner with Operations and Advanced Analytics to set the strategic direction, prioritization, and optimization of collection strategies across delinquent portfolios.
Evaluate performance drivers and treatment tradeoffs, translating insights into recommendations that improve portfolio performance and support enterprise objectives.
Lead the governance, measurement, and evaluation of collection strategies across delinquent portfolios.
Establish analytical standards, assess strategy and test performance, quantify impacts to key business metrics, and partner cross functionally to deliver financially sound, operationally scalable recommendations for leadership decision making.
Lead and develop a team of Analysts and Lead Analysts through coaching, succession planning, and performance management.
Establish operating routines that drive accountability, quality, engagement, and scalable team performance.
Communicate strategy performance, analytical insights, and recommendations to senior and executive leaders.
Influence decisions through clear storytelling, sound judgment, and effective communication of business outcomes, risks, and tradeoffs.

Benefits

medical
prescription drug
dental
vision
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
401(k) plan
11 paid holidays
Flexible Time Off (FTO) program
80 hours of Paid Sick and Safe Time (“PSST”)
40 hours of Illinois PSST
40 hours of Illinois Paid Leave
company stock
annual incentive bonus