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About the Role

The Product Manager leads a team of product managers and/or product owners responsible for overseeing the development and management of products throughout their lifecycle. This role will work closely with cross-functional teams, including engineering, marketing, sales, and customer support, to ensure that products meet market needs and align with the company's strategic goals. This role requires a proven leader with the energy and skills to envision the right customer experience, drive execution, and scale features to seize business opportunities and support rapid growth. The Product Manager will drive the AI product strategy for assigned domains, identify high-value opportunities for copilots, automation, decision intelligence, and agentic experiences while ensuring responsible AI, governance, security, and compliance requirements are met.

Responsibilities

Own the product and plans the product roadmap, creating and defining the long-term vision and strategy for products and features for a diverse set of customers.
Engage with key partners/merchants to deliver best-in-class lending solutions and own relationships with external partners and development vendors.
Establish project-specific release cycles and communicate upcoming releases and their importance level to stakeholders.
Collaborate with other Product and Engineering teams and key stakeholders to gather requirements and feature requests for future releases.
Collaborate to enhance current product controls and ensure appropriate risk safeguards are in place.
Own product backlogs, focused on delivery of initiatives.
Manage multiple initiatives and projects simultaneously, while maintaining the product roadmap and backlog.
Lead a team of product managers and product owners while fostering a culture of progress, transparency, and efficiency.
Stay up-to-date on the evolution of products, competitors, and the financial services industry.

Requirements

High School Diploma or GED
8-10 years experience in product management, or related field such as business analysis
3+ years leading project(s), mentoring and/or coaching experience, demonstrated subject matter expert in department
Bachelor’s Degree in Product Management, Business Analysis, or Information Technology or related field of study or equivalent, relevant work experience
10-13 years experience in Product Management, Business Analysis, Information Technology, financial services, payment, or online and mobile platforms.
Experience in leading and mentoring teams.
Hands-on experience with prompt engineering, agent fleets and orchestration frameworks, or AI development platforms
Experience developing, launching, or scaling AI-powered products leveraging LLMs, agentic workflows, retrieval-augmented generation (RAG), or machine learning technologies
Experience building AI-powered, data, platform, developer, SaaS, fintech, or digital products
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

Agile Product Development
Business Analysis
Information Technology (IT)
Mobile Platforms
Product Management
User Experience (UX)
Product Integration
Product Delivery
Large Language Models (LLMs)
Responsible AI & AI Governance
Generative AI Product Management

Location

Remote
Hybrid

Work Type

Regular
Full-time

Experience Level

8-10 years experience in product management
3+ years leading project(s), mentoring and/or coaching experience
10-13 years experience in Product Management, Business Analysis, Information Technology, financial services, payment, or online and mobile platforms.

Education Level

High School Diploma or GED
Bachelor’s Degree in Product Management, Business Analysis, or Information Technology or related field of study or equivalent, relevant work experience

Salary/Compensations

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

Benefits

Medical, prescription drug, dental, vision, and other voluntary benefits
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
Annual incentive bonus based on individual and company performance
Competitive pay
Comprehensive selection of benefit options including 401(k)

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’ve been consistently recognized as a best place to work nationally and in many markets and 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.

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.