Senior Software Engineer

Bread Financial•Columbus, OH

About The Position

The Senior Software Engineer develops and enhances financial technology solutions by translating requirements into functional software. The role participates in coding, testing, and code reviews; improves application quality, scalability, and efficiency; and independently identifies issues or defects resulting from system enhancements. It implements full-stack development across the software development lifecycle, including frontend, backend, and UI/UX components. The position also mentors Associate Software Engineers and Software Engineers and collaborates across teams to deliver high-quality solutions. The engineer designs and leads complex software solutions aligned with business goals, oversees development lifecycle quality and timeliness, and provides technical guidance and on-call escalation support as needed. The role supports applications and processes through testing, defect remediation, performance optimization, code standards, and continuous improvement. It also contributes to UI/UX improvements and user feedback analysis, builds cross-functional relationships, and may drive team initiatives such as GitHub, Copilot, or AWS migration. The role requires proficiency in at least two programming languages (ideally three) and development or maintenance of at least three applications. Bread Financial is a technology-forward financial services company providing payment, lending, and savings solutions to U.S. consumers and brand partners. This is a regular position. The listed salary range is $125,400–$200,600, with different ranges by location; actual base pay depends on factors including location, education, experience, and skills. The employee must be authorized to work in the United States full time without current or future sponsorship.

Requirements

Bachelor’s degree in Computer Science or a related field, or equivalent relevant work experience.
One cloud certification: AWS Cloud Practitioner, Microsoft Azure Fundamentals, or Google Cloud Digital Leader.
5–8 years of related work experience across the software development lifecycle, including full-stack, frontend, backend, and UI/UX engineering.
Strong hands-on full-stack development skills with Java, Spring/Spring Boot, and REST and SOAP web services.
Experience with AI-assisted coding tools such as GitHub Copilot or Kiro, and DevOps/CI-CD practices and tools such as Harness, GitHub, BitBucket, or Jenkins.
Strong analytical and debugging skills; ability to work autonomously, provide technical guidance, and learn and adapt to new technologies quickly.
Strong experience with Azure or AWS cloud platforms, including commonly used cloud services and cloud-native development.
Working knowledge of Docker, Kubernetes, Angular or React frameworks, and modern automation and data-access tools or technologies.
Strong understanding and practical application of design principles, automated testing, agile methodologies, and continuous improvement practices.
Ability to work authorized in the United States full time without the need for sponsorship now or in the future.

Nice To Haves

8–10 years of related work experience across the software development lifecycle, including full-stack, frontend, backend, and UI/UX engineering.
Proficiency in three programming languages; the role requires at least two.
Experience with Flutter.

Responsibilities

Use the software development lifecycle to implement technology solutions that create and enhance applications.
Translate requirements into technical designs and application code.
Develop design specifications, including UI layouts, and convert them into functioning components.
Provide technical on-call escalation and guidance to on-call developers as needed, and respond to incident inquiries.
Create and execute unit tests to proactively identify issues; analyze and review code, find causes of errors and defects, and remediate known errors.
Define and enforce relevant code standards; estimate and size work based on high-level requirements.
Continuously improve applications and processes for quality, efficiency, and user experience.
Design and lead development of complex software solutions aligned with business goals, oversee lifecycle quality and timeliness, and conduct code reviews.
Optimize system performance and scalability using modern frameworks; lead code reviews and testing practices; resolve defects and bottlenecks.
Plan UI/UX enhancements, collaborate with design and development teams on intuitive interfaces, and use user feedback to improve usability.
Build relationships across roles and organizations to support collaboration, partnership, and efficiency.
Provide formal and informal peer coaching and feedback, influence the team toward business outcomes, and seek and use feedback for personal development.
Work autonomously, provide technical supervision to peers, and demonstrate business knowledge in financial services and marketing.
Drive team initiatives such as GitHub, Copilot, or AWS migration.
Develop or maintain at least three applications and demonstrate proficiency in at least two programming languages, ideally three.

Benefits

Medical insurance
Prescription drug coverage
Dental insurance
Vision insurance
Basic and optional life insurance
Supplemental medical plans
Short- and long-term disability coverage
Six weeks of 100% paid parental leave for eligible parents, after a 180-day waiting period
401(k) plan with immediate enrollment eligibility
11 paid holidays
Flexible Time Off (FTO) program
Paid Sick and Safe Time (PSST); Illinois associates also receive Illinois Paid Leave
Opportunity to purchase company stock during offering periods in June and December
Annual incentive bonus based on individual and company performance
Career development opportunities