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About the Role

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. 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.

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.

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
High School Diploma or GED
8-10 years of experience in analytics, financial forecasting, collections strategy, and/or credit risk analysis
3+ years leading project(s), mentoring, and/or coaching experience
Bachelor’s Degree in Finance, Accounting, Statistics or Economics
15+ years of experience in analytics or financial forecasting and/or credit risk analysis
Must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future.
Cannot offer employment to F-1 (student) visa holders.

Skills

Fraud Analysis
Analytics Insights
Credit Risk Analysis
Pivot Tables
Structured Query Language (SQL)
Financial Analysis
Financial Research
Collections Strategies

Location

Remote
Hybrid

Work Type

Regular
Full-time

Experience Level

Senior Manager
Manager

Education Level

High School Diploma or GED
Bachelor’s Degree in Finance, Accounting, Statistics or Economics

Salary/Compensations

$125,400.00 - $200,600.00
$144,200.00 - $250,800.00 (California)
$125,400.00 - $220,700.00 (Colorado)
$137,900.00 - $250,800.00 (New York)
$137,900.00 - $230,700.00 (Washington)
$137,900.00 - $220,700.00 (Maryland)
$144,200.00 - $230,700.00 (Washington DC)
$125,400.00 - $220,700.00 (Illinois)
$144,200.00 - $230,700.00 (New Jersey)
$125,400.00 - $200,600.00 (Vermont)
$125,400.00 - $200,600.00 (Ohio)
$125,400.00 - $200,600.00 (Maine)
$137,900.00 - $220,700.00 (Connecticut)
$125,400.00 - $200,600.00 (Virginia)

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
Company stock purchase
Annual incentive bonus based on individual and company performance

About the Company

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture.
We’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally.
Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.
Bread Financial® (NYSE: BFH) 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 some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers.
Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.
Bread Financial proudly marks 30 years of success in 2026.
To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.
Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

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, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act.
Applicants with criminal histories are encouraged to apply.
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.
Please contact the Recruiting Team at TaOps@breadfinancial.com.