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About the Role

This role is responsible for developing strategies for product offerings, capabilities, features, and new account acquisition to drive growth of assigned credit card portfolios. The position supports and nurtures brand partner relationships, gains alignment on key initiatives, and collaborates with cross-functional teams to deliver acquisition and product strategies. The candidate will use data to make key portfolio decisions, align strategies with business goals, and resolve complex issues.

Responsibilities

Nurture relationships to drive business growth and retention, potentially presenting to c-suite.
Advocate for brand partners while meeting business objectives and removing internal roadblocks.
Set objectives, negotiate outcomes, and collaborate with matrix teams (Credit Management, Field, Portfolio Analytics, Marketing) to achieve goals.
Work cross-functionally with digital, capabilities, tech, operations, and fraud teams to align client strategies with business goals.
Resolve complex problems impacting multiple teams or the organization, working through ambiguity and high-stress situations.
Ensure efficient resource allocation for significant issue resolution.
Collaborate with brand partners to tackle challenges and make decisive choices in ambiguous environments.
Identify strategic portfolio needs and request acquisition plans from MCOE.
Ensure annual/quarterly plans align with P&L and long-term objectives.
Present annual plans and gain client approval.
Share strategy briefs and deadlines with clients for ongoing campaigns.
Review results and recommendations with brand partners.
Assess capabilities and identify those that drive strategic portfolio objectives.
Prioritize new capability turn-on based on business value.
Build compelling business cases for recommendations to brand partners.
Ensure correct product mix for brands based on business need and P&L impact.
Lead the coordination and development of complex analytics to predict future performance trends.
Integrate data from multiple sources across departments for a holistic performance view.
Identify opportunities for process optimization and innovation through advanced data analysis.
Drive strategy for the Value Proposition informed by portfolio objectives.
Consult MCOE in the value proposition management process.
Bring along ECM and other matrix partners.
Gain brand alignment to changes and new opportunities.
Manage P&L impacts.
Lead the development of comprehensive forecasts for acquisition and new account numbers.
Ensure forecasts align with strategic goals and accurately predict P&L impact.

Requirements

Bachelor’s Degree in Business Administration, Marketing or equivalent, relevant work experience
10-13 years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management
Demonstrated success leading complex cross-functional initiatives in a highly matrixed environment and influencing stakeholders without direct authority
Experience developing or executing acquisition, product, and growth strategies for consumer credit card portfolios within a financial services organization
Must be work authorized in the United States on a full-time basis without the need for sponsorship.
Cannot offer employment to F-1 (student) visa holders.

Skills

Expense Management
Long Term Planning
Marketing
Financial Acumen
Account Management
Project Management
Portfolio Management Strategies

Location

Remote
Hybrid

Work Type

Regular
Full-time

Experience Level

10-13 years experience

Education Level

Bachelor’s Degree in Business Administration, Marketing or equivalent
Master’s Degree in Business Administration or Marketing

Salary/Compensations

$139,800.00 - $223,700.00
California: $160,800.00 - $279,600.00
Colorado: $139,800.00 - $246,100.00
New York: $153,800.00 - $279,600.00
Washington: $153,800.00 - $257,300.00
Maryland: $153,800.00 - $246,100.00
Washington DC: $160,800.00 - $257,300.00
Illinois: $139,800.00 - $246,100.00
New Jersey: $160,800.00 - $257,300.00
Vermont: $139,800.00 - $223,700.00
Ohio: $139,800.00 - $223,700.00
Maine: $139,800.00 - $223,700.00
Connecticut: $153,800.00 - $246,100.00
Virginia: $139,800.00 - $223,700.00

Benefits

Medical, prescription drug, dental, vision, and other voluntary benefits
Basic and optional life insurance
Supplemental medical plans
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
Purchase company stock during offering periods
Annual incentive bonus based on individual and company performance

About the Company

Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
Bread Financial is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers.
Our payment solutions deliver growth for recognized brands through co-brand and private label credit cards and pay-over-time products.
We also offer general purpose credit cards and saving products.
Bread Financial proudly marks 30 years of success in 2026.
Learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

Equal Opportunity

The Company is an Equal Opportunity Employer.
Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
The Company participates in E-Verify.
The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws.
The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws.
The Company will provide accommodations to applicants needing accommodations to complete the application process.
Applicants with disabilities may contact the Company to request and arrange for accommodations.
If you need assistance to accommodate a disability, you may request an accommodation at any time.