Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The service engineer uses code to create APIs and/or microservices to connect core platforms to experiences. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineer s responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineer s responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions: Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three applications. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Reports to: Technology Head of Engineering Direct Reports: None Working Conditions/ Physical Requirements: Normal office environment, some travel may be required. Minimum Qualifications: Bachelor s Degree 2-5 years of related work experience Preferred Qualifications: Five or more years of experience in related field Knowledge, Skills and Abilities: Agile Development Process, Principles & Methodologies Business Acumen and Problem Solving Continuous Improvement DevOps Tools & Practices Java, JavaScript, Golang, Python, C++, API consumption and development Azure (or AWS equivalent): App Service, Functions, API management, Logic Apps, Data Factory, Event Hub, SQL Server, Cosmos DB. Has demonstrated basic knowledge of at least one in-demand programming language Has demonstrated knowledge in one layer of the solution stack (e.g., front-end, services) 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Process Associate role is responsible for supporting one or several processes, including, but not limited to monitoring quality of customer calls, secured email responses to customer queries and disputes, routing for review of open items, etc. across customer-initiated associate touchpoints, and customer-impacting back-office activities for Regulatory and Procedural compliance and/or optimal customer experience The role is responsible for executing the assigned support processes in a timely and accurate manner in adherence to documented procedural and compliance requirements. The incumbent is required to meet established performance standards and maintain operational acumen for the assigned processes. Essential Job Functions (specifics vary based on process) Ensures compliance with relevant company and regulatory guidelines. Achieves expected scores on key performance metrics such as accuracy, productivity, TAT, etc. in processing of assigned support process as per defined performance standards for each process. Quickly learns applicable policies, processes, and operations to execute on the assigned process. Takes efforts to gain and maintain knowledge of Regulatory requirements and Procedural guidelines to maintain applicable industry, business, and operational acumen. Proven ability to accurately follow published procedures and execute on processes as per established criteria. Processes defined minimum number of transactions/units of assigned process on a monthly basis. Cross trains on various processes as per business need. Reports to: Team Lead Working Conditions/ Physical Requirements: Normal office environment, no travel required. Direct Reports: None Minimum Qualifications: Bachelor’s degree in humanities, arts, science, commerce or equivalent education Years of Work Experience 0-2 years Type / focus of work experience required: Experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals Must be able to pass English Assessment Preferred Experience: Degree Preferred N/A Area of Study: N/A Years of Work Experience N/A Type / focus of work experience preferred N/A Education Requirements: Bachelor’s Degree Certifications: Work Experience Skills: Call Center Operations, Compliance, e-OSCAR, Kana, NICE Call Recording 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Care Center Operations Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Process Associate - Collections role is responsible for supporting one or several processes, including, but not limited to processing Docuware mail, working exception reports, contacting customers, performing audits, conducting research and customer-impacting back office activities for Regulatory and Procedural compliance and/or optimal customer experience. The role is responsible for executing the assigned support processes in a timely and accurate manner in adherence to documented procedural and compliance requirements. The incumbent is required to meet established performance standards and maintain operational acumen for the assigned processes. Essential Job Functions (specifics Vary Based On Process) Process Management: Achieves expected scores on key performance metrics such as volume, accuracy, productivity, TAT, etc. in processing of assigned support process as per defined performance standards for each process. Proven ability to accurately follow published procedures and execute on processes as per established criteria. Identify/resolve escalated issues around procedural cases/inquiries, as needed. Applies knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work. Compliance: Ensures compliance with relevant company and regulatory guidelines. Quickly learns applicable policies, processes, and operations to execute on the assigned process. Take efforts to gain and maintain knowledge of Regulatory requirements and Procedural guidelines to maintain applicable industry, business, and operational acumen. Reports to : Team Lead Working Conditions: Physical Requirements: Normal office environment, no travel required. Direct Reports : None Minimum Qualifications Bachelor’s degree in humanities, arts, science, commerce or equivalent education 0-2 years work experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn. All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family Operations Job Type Regular Show more Show less

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Quality Assurance (QA) Automation Engineer IV is responsible for test automation with agile and waterfall teams for core application projects which impact our care center, clients and customers. This role works with team members to ensure automated testing is completed with proper coverage for all the requirements. Essential Job Functions Test Design - Write automation test scripts using an object-oriented Ruby Cucumber framework for multiple applications like web based, web services and database. Contribute to extending the existing framework. Test Execution & Reporting - Execute tests as needed throughout projects, analyze and report test results. Identify and track defects through their lifecycle. Utilize defect management and organization skills, provide progress and metrics on test execution and defects to project team. Provide leadership while contributing to team and company objectives. Follow team and company standards and contribute to refine and improve process and procedure, while defining and maintaining test data. Subject Matter Expert - Develop and maintain expert understanding of all of the components and functionality of the system and framework. Provide guidance, mentoring, and training on testing practices and advise impacts for system changes. Business Communications - Demonstrate foundational knowledge of credit card operations, banking, financial, loyalty rewards, and credit card regulatory while working with various areas of the business. Demonstrate leadership by driving the automated testing of projects and collaborate with stakeholders in understanding the testing needs and reporting on testing results. Reports To: Technology Head of Quality Assurance Working Conditions/Physical Requirements: Direct Reports: None Working Conditions/Physical Requirements: Normal office environment. Some travel may be required. Minimum Qualifications: Bachelors Degree 7+ years of related work experience. Knowledge, Skills and Abilities: 9+ years of experience in Automation Cypress & JavaScript API Automation GIT & CI/CD 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The service engineer uses code to create APIs and/or microservices to connect core platforms to experiences. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineers responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineers responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Minimum Qualifications Bachelor s Degree 2+ years of relevant work experience Preferred Qualifications 5+ years of experience in relevant field Skills React.js Microsoft Azure Functions Java Microsoft Azure SQL Full Stack Development DevOps Agile Methodology AWS Development JavaScript Angular Flutter Software Development Kit (SDK) Salesforce (Software) Reports To : Manager and above Direct Reports : 0 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel entertainment, health beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Manager of Martech Technology Platforms will lead a dynamic team of marketing technology professionals, providing operational leadership and professional development. The ideal candidate will drive team performance, foster innovation, and ensure the effective management of our India based associates. Essential Job Functions Provide comprehensive leadership to a small team of technical professionals. Develop and implement a high-performance team culture through goal setting, regular coaching, real-time feedback, and performance reviews. Facilitate communication between the team and cross-functional teams / departments. - (30%) Monitor workload distribution and team capacity enabling the optimal allocation of resources and prioritization of workload - (30%) Develop comprehensive reporting mechanisms enabling reporting to Marketing Technology Platforms leadership team, including: Weekly status reports summarizing team achievements and key metrics, Monthly deep-dive reviews and Quarterly strategic alignment presentations for senior leadership - (25%) Prepare and deliver executive summaries that highlight: Team accomplishments, Challenges and mitigation strategies, Potential resource needed and Strategic recommendations - (15%) Minimum Qualifications Bachelor s Degree in marketing, Business, Computer Science or related field of study or equivalent, relevant work experience 10+ years experience with an Enterprise-class content management systems, digital analytics, and/or test learn platforms. 3+ years of direct leadership experience, leading project(s), mentoring and/or coaching experience Preferred Qualifications 10+ years experience with an Enterprise-class content management systems, digital analytics, and/or test learn platforms. 5+ years of direct leadership experience, leading project(s), mentoring and/or coaching experience Skills Communication Constructive Feedback Emotional Intelligence Strategic Thinking Problem-Solving Strategies Professional Relationship Management Agile Methodology Enterprise Content Management System Metadata Management Project Management Reports To : Senior Manager and above Direct Reports : 2 - 5 Work Environment Normal office environment, hybrid. 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel entertainment, health beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Marketing Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary Bread Financial is a leading global provider of tailored marketing and loyalty solutions, delivered through branded credit programs that drive more profitable relationships between our Brand partners and their cardmembers. We offer private label, co-brand, and commercial products to many of the world's most recognizable brands. We leverage unmatched customer insights, advanced analytics, and broad-reaching innovative capabilities. It is how we deliver increased sales to our partners, build enduring loyalty to their brands, and provide more value to our cardmembers. The Technical writer will create, update and maintain technical and non-technical documentation for the Digital Capabilities group. It is required to work closely with the internal product owners and business teams to discuss and understand the enterprise level products and capabilities and publishing the information into clear, concise and accurate content for end user consumption. We are required to write documents that cater to both the external and internal audience. Our external brand facing documents provides direction to our Brand partners on integrating our capabilities into their software ecosystem when launching one of our products. The internal facing documents provides detailed information about a capability and are meant for our internal associate(s) or team(s) who are interested to learn and understand our capabilities. To be successful at this role, the writer will need to have a strong technical aptitude and quickly adapt to learning the products and capabilities. Essential Job Functions Ability to grasp complex business and technical information and write and organize net new documents for new products or capabilities Understand and analyze the content in the existing documents to help identify gaps, update and organize those documents to keep it up to date Work with the various technical and business teams to accurately and effectively gather product information/requirements, researching independently is necessary Ability to interact efficiently with product owners, business, technology subject matter experts and other internal teams to ensure that specialized topics are appropriately addressed and discussed Determine the clearest and most logical way to present information and instructions for greatest reader comprehension and writes and edits technical information accordingly Ability to prioritize and manage multiple documentation projects simultaneously in an ever-changing, fast paced environment Regular follow-ups with stakeholders are a must to ensure timely review-feedback and other dependable tasks to help with timely closure of the document Ability to respond to (and explain) feedback and synthesize information from multiple sources Identify gaps in processes and/or content then drive to obtain necessary information Create strong content that fulfills company standards and audience goals Utilize a variety of media forms; include editing of images and screenshots Adapt and strictly follow project schedules and deadlines Inquisitive in nature to ensure documentation is detailed and thorough and a penchant to learn Reports to: Manager or above Direct reports: No, this role is an individual contributor role Minimum Qualifications Bachelor’s degree in either Information Technology, Communications, Journalism, or equivalent professional experience. Two to Five years of experience working in the technical writing field Proven working experience in technical writing of product and/or software documentation. Strong working knowledge and skill in working with Microsoft Word, Microsoft Visio and Snagit. Requirement gathering skills and experience is a must. Good knowledge of the Documentation Development Life Cycle (DDLC). Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar (fluent with the MSTP style guide). Ability to proofread documents of peers Ability to be self-directed and effective working independently and also to work as a team (Lead writer, peers and a global team environment) Be responsible and accountable for your deliverables, workload and deadlines Strong organizational and self-management skills Ability to deliver high quality documentation by paying attention to details Ability to efficiently communicate information and ideas in writing or verbally, to help others understand easily Preferred Experience Background or knowledge in banking or the credit card industry 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn. All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family Marketing Job Type Regular Show more Show less

Job Description Essential Job Functions: IT Monitoring and Analysis - Responsible for proactively identifying IT incidents, making rapid decisions on the prioritization and impact of each incident, and taking steps to mitigate financial and reputational harm to Bread Financial. Use industry standard IT monitoring tools and internal team runbooks as an advanced user, in addition to leveraging business and system knowledge to correlate data across tools to properly action incidents in accordance with industry standard incident management frameworks and protocols. Perform more complex testing as required to confirm network availability and resiliency. Mentor and train junior analysts. Security Operations and Event Support - Monitor physical security systems and provide updates to leadership on significant security events. Complete risk and threat assessments related to travel, company sponsored events, or geopolitical events etc., and use emergency communication platform to disseminate information to impacted associates. Process Management - Lead creation and ongoing maintenance of run books/process documentation. Identify opportunities for process improvement or efficiency and drive changes to closure. Demonstrate the sense of urgency and judgment needed to effectively identify potential incidents. Collaborate with tech experts across our network to develop monitoring solutions for known problems to ensure the availability of production systems. Communication - Communicate general, technical, and operational reports or assessments to appropriate stakeholders at all levels and demonstrate ability to synthesize technical data for delivery to non-technical audiences. Properly document actions taken in systems of record. Respond to complex problems escalated by leadership. Represent the IT Command Center on critical or enterprise-wide environment issues. Reports To: IT Command Center, Manager Direct Reports: 0 Working Conditions/Physical Requirements: This role is shift based (1st, 2nd, 3rd) to support a 24/7 operational environment. Working days and hours of work could vary depending on the needs of the business. In office role , required to work in corporate office. Minimum Qualifications: Bachelor’s degree in Information Systems, Information Technology, Computer Science or related field of study. 4+ years of experience working in a NOC, SOC, or other operational environment. Experience working in ServiceNow. Experience working in Splunk. Experience with monitoring tools such as SolarWinds, Dynatrace, or other industry-wide monitoring tools. Preferred Qualifications: ITILv4 Foundations Certification. CCNA Certification or similar. Knowledge, Skills and Abilities: Ability to multitask effectively and work with little supervision while performing duties. Ability to work in high-pressure situations. Ability to handle fluctuating workloads, conflicting priorities, and concurrent activities. Effective organizational skills, time management skills and problem-solving skills. Exceptional verbal, written and interpersonal communication skills. Ability to provide clear and concise executive level communication and updates on status, issues, and risks. Microsoft Office product suite. Azure and Splunk. Knowledge of ITIL processes. Knowledge of scripting languages (Python, PowerShell etc.) Show more Show less

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary Under supervision and guidance, the Data Scientist, 2 applies data science in advanced analytics such as predictive modeling and data mining in a big data environment in order to deliver predictive models and insights. The Data Scientist, 2 produces insights that encompass the different product types and channels and maintain regulatory standards. The Data Scientist, 2 assists with ensuring accurate and timely implementation of solutions, quantifying the overall financial impact to the business, and communicating results. Essential Job Functions: Analytics – under supervision and guidance, completes the following: 1) extracts and samples data, conducts data integrity checks and applicable data pre-processing such as treatment of missing values and outliers, 2) conducts exploratory data analysis for preliminary data insights to drive the selection of modeling approach that best addresses the business problem, 3) reveals hidden data patterns by data mining using unsupervised learning techniques such as clustering analysis and factor analysis, 4) conducts feature engineering to create/derive model predictors with strong predictive power, 5) trains/tunes classification/regression models by applying supervised learning techniques such as generalized linear models assuming applicable underlying distributions such as logit and gamma, tree-based models such as decision trees, random forest, boosted trees, etc., and neural net models, and 6) conducts proper model test/validation, diagnoses and fixes model issues (e.g., over-fitting) when applicable. Sizes the impact of using the models in production as part of the current strategy. Presents results and business case to manager. Provides support for implementation and monitoring of solutions that are implemented. Collaboration – under supervision and guidance, translates analytical results into useful recommendations for review with manager. Demonstrates strong verbal and written communication skills when working with internal partners and when presenting results to various audiences. Develops foundational knowledge of credit card operations, banking, financial, loyalty rewards, retail, and credit card regulations while working with the business. Collaborates with other data scientists in the company to share best practices and data science innovations. Data Science innovation – with direction from leader, researches industry trends in data science of new tools, emerging algorithms, advanced platforms, and alternative data to enhance modeling effectiveness and efficiency. Conducts use case testing for new tools/techniques/platforms/data and provides user input/feedback. Model Risk Management - develops foundational knowledge on common model risks and related regulatory requirements; applies proper 1st line of defense controls during model development process to minimize model risk; creates comprehensive model governance documentation and archives model data, scripts, and results; collaborates with model risk management partners to complete model validation/auditing; completes remediation as required by model governance process. Reports To: Manager or higher Direct Reports: None Working Conditions/ Physical Requirements: Normal Office Environment. Work shift timings - 1 PM to 10 PM IST Minimum Qualifications: Education Required: Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative field 2 to 5 years of related work experience Preferred Qualifications: Education: Master’s Degree, PhD in Statistics, Mathematics, Engineering, Data Science, Economics, Computer Science, or another quantitative field 3 or more years of professional hands-on experience in developing statistical models/machine learning models and conducting data mining to solve business problems. Experience in extracting and processing large files/data sets. Experience interpreting model results and translating insights into business recommendations. Knowledge, Skills and Abilities: should align with qualifications Financial Services Spark SQL MicroStrategy Tableau Power BI R Programming Python SAS Structured Query Language (SQL) PowerPoint Presentations Pivot Tables Machine Learning Data Science Predictive Modeling Data Mining Statistical Concepts Data Analytics 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Data and Analytics Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Process Associate role is responsible for supporting one or several processes, including, but not limited to monitoring calls, researching and providing responses to customer queries and disputes, routing for review of open items, etc. across customer-initiated associate touchpoints, and customer-impacting back-office activities for Regulatory and Procedural compliance and/or optimal customer experience The role is responsible for executing the assigned support processes in a timely and accurate manner in adherence to documented procedural and compliance requirements. The incumbent is required to meet established performance standards and maintain operational acumen for the assigned processes. Essential Job Functions (specifics vary based on process) Ensures compliance with relevant company and regulatory guidelines Achieves expected scores on key performance metrics such as accuracy, productivity, TAT, etc. in processing of assigned support process as per defined performance standards for each process Quickly learns applicable policies, processes, and operations to execute on the assigned process. Takes efforts to gain and maintain knowledge of Regulatory requirements and Procedural guidelines to maintain applicable industry, business, and operational acumen Proven ability to accurately follow published procedures and execute on processes as per established criteria Processes defined minimum number of transactions/units of assigned process on a monthly basis Cross trains on various processes as per business need Reports to: Team Lead Working Conditions/ Physical Requirements: Normal office environment, no travel required. Direct Reports: None Minimum Qualifications: Bachelor’s degree in humanities, arts, science, commerce or equivalent education Years of Work Experience - 0-1 Year(s) Experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals Process Analyst Minimum Qualifications: Bachelor’s degree in humanities, arts, science, commerce, or equivalent education 2+ years relevant work experience Experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals. Preferred Qualifications: 3+ years experience in Fraud, Bank Fraud, Account Protection, Consumer Deposits, or related experience. 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Operations Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Process Associate role is responsible for supporting one or several processes, including, but not limited to monitoring calls, researching and providing responses to customer queries and disputes, routing for review of open items, etc. across customer-initiated associate touchpoints, and customer-impacting back-office activities for Regulatory and Procedural compliance and/or optimal customer experience The role is responsible for executing the assigned support processes in a timely and accurate manner in adherence to documented procedural and compliance requirements. The incumbent is required to meet established performance standards and maintain operational acumen for the assigned processes. Essential Job Functions (specifics vary based on process) Ensures compliance with relevant company and regulatory guidelines Achieves expected scores on key performance metrics such as accuracy, productivity, TAT, etc. in processing of assigned support process as per defined performance standards for each process Quickly learns applicable policies, processes, and operations to execute on the assigned process. Takes efforts to gain and maintain knowledge of Regulatory requirements and Procedural guidelines to maintain applicable industry, business, and operational acumen Proven ability to accurately follow published procedures and execute on processes as per established criteria Processes defined minimum number of transactions/units of assigned process on a monthly basis Cross trains on various processes as per business need Reports to: Team Lead Working Conditions/ Physical Requirements: Normal office environment, no travel required. Direct Reports: None Minimum Qualifications : Bachelor s degree in humanities, arts, science, commerce or equivalent education Years of Work Experience - 0-1 Year(s) Experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals Process Analyst Minimum Qualifications: Bachelor s degree in humanities, arts, science, commerce, or equivalent education 2+ years relevant work experience Experience in a fast paced, process-driven environment and ability to meet target productivity and quality goals. Preferred Qualifications: 3+ years experience in Fraud, Bank Fraud, Account Protection, Consumer Deposits, or related experience. 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel entertainment, health beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Operations Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The service engineer uses code to create APIs and/or microservices to connect core platforms to experiences. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineer s responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineer s responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions: Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical de sign, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Reports to: Technology Head of Engineering Direct Reports: None Working Conditions/ Physical Requirements: Normal office environment, some travel may be required. Minimum Qualifications: Bachelor s Degree 2-5 years of related work experience Preferred Qualifications: Five or more years of experience in related field Knowledge, Skills and Abilities: Agile Development Process, Principles Methodologies Business Acumen and Problem Solving Continuous Improvement DevOps Tools Practices Java, JavaScript, Golang, Python, C++, API consumption and development Azure (or AWS equivalent): App Service, Functions, API management, Logic Apps, Data Factory, Event Hub, SQL Server, CosmosDB Has demonstrated basic knowledge of at least one in-demand programming language Has demonstrated knowledge in one layer of the solution stack (e.g., front-end, services) 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel entertainment, health beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Systems Engineer, 2 is responsible for the planning, designing, acquisition, maintenance, and implementation of applications, infrastructure, system integration, and solutions utilizing vendor relationships and internal IT and business partners with guidance and direction only on the most complex situations. This position is recognized as an expert within the organization and is responsible for solving complex problems within the area(s) they work and support. This position leads the research, design, validation, and implementation of systems, components, and technologies and provides recommendations for strategies, roadmaps and solutions. This person ensures the solutions employed across the organization support the needs of evolving business by effectively understanding the changing technology. This individual also provides oversight and assistance across project design and delivery, ongoing administration including monitoring, maintenance, troubleshooting, and ensuring availability and reliability across multiple providers and services. Essential Job Functions Technology - Independently advises, mentors, and collaborates with team members, stakeholders, vendors on execution strategies and design efforts: including (but not limited to) technology enhancements and capacity planning. Collaborates with cross-functional departments & IT partners to plan and lead integration efforts that align with business/operation initiatives. Work directly with multiple departments and lines of business to support their IT needs. This includes gathering business requirements to develop solutions. Provide top-tier technical support and responds to escalations from lower-level engineers, as necessary, and acts as primary vendor contact for all issues escalated to/from vendors. Works related problems, change management and escalated incidents. Submits RFQ/RFPs, obtains quotes, aggregates documents and proposals, and maintains current and proposed End-of-Life schedules, and tracks progression of key vendors R elationships - Maintains all vendor relationships and partners to support strategy and architectural design efforts for systems and technology that they support. Engages and collaborates with key vendors, carriers, and internal/external partners to support technical planning of mid- to long-term initiatives. This may include planning, build requirements, project management, SOW/BOM legal review, service & maintenance contract review, asset management, training, systems monitoring, programming & tuning. Demonstrate s outstanding Verbal and Written Communication skills when working with internal and external partners. Technical Knowledge - Expectation is to be proficient in one or more of the following areas (e .g. Windows Desktop, SCCM, VMware ESXi virtualization , Windows Server Operating Systems , S erver hardware platforms in an enterprise en vironment, preferably Cisco UCS, Cloud Computing (Azure / AWS), Networking (Data) , Telecom (Collaboration) , Infrastructure Automation, VDI/VMware Horizon, Palo Alto Firewall , Microstrategy , DataBricks , Cloudera etc. , ) and implement or manage/ maintain at least two platform . Documentation - Creates, reviews, and maintains documentation of deployments, systems, and procedures relating to job/team responsibilities. Produces documentation as requested for internal customers, audits and compliance purposes. Participates in the approval process. Reports and presents quarterly capacity analyses of licensing, equipment, and utilization . Establishes and meets critical deadlines while prioritize multiple activities and complex projects simultaneously. Demonstrate s leadership by driving projects to meet milestone dates, utilizing critical thinking skills to help analyze business problems and recommending solutions, and collaborating with stakeholders to resolve problems and gaining consensus on the best solution. Influences change, prioritizes efforts on critical initiatives, and works to identify find solutions to opportunities . Reports to : Lead or Higher Working Conditions/ Physical Requirements : Must maintain currency of technical skills in relevant technologies. May be required to lift up to 80 pounds for installation of equipment (depending on focus of job); 24/7 On-call coverage; may be required to work outside of normal business hours, including weekends and possibly holidays; May be required to travel domestically 15-20% annually. May be required to go under desks & floor tiles, use ladders/electric lifts move ceiling tiles. Direct Reports : 0 Minimum Qualifications : Degree Required : Bachelors Degree or equivalent education Area of Study: Information Technology, Computer Science Years of Work Experience Required : Two to five years Type / focus of work experience required: Engineering work experience in area of specialization and have experience in Java, Cloud or Salesforce. Preferred Experience: Certifications Preferred : Any certifications that involve the systems, equipment, programs, and technology the role supports . 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary Bread Financial is a technology-driven payments company that partners with clients to personalize payment options for their customers. Bread Financial integrates directly with merchants on their ecommerce site and gives them a single platform that lets them offer more ways to pay over time. Bread Financial has enormous and engaging technical challenges, including verifying online identity, predicting fraud, and approving price credit, while providing a frictionless consumer experience, all in real time. Our engineering team is seasoned, talented, agile, and quickly growing. The Manager, Software Engineering, will join the team in continuing to build out our core platform, product, and teams. Essential Job Functions: Talent Management - Lead a team of highly engaged associates and contractors, ensuring the team meets or exceeds the defined role expectations. Provide development and ongoing coaching and feedback, performance management, career development and administrative support. Coach and mentor staff, to enable them to reach their peak potential and cultivate high-performing teams. Provide peer coaching and feedback, formally and informally. Request and utilize feedback to foster personal development. Process and Technology - Oversee at least two Golang microservices. Use recognized industry models and methodologies to develop, execute, and continuously improve development practices, in collaboration with all major stakeholder and functional roles. Actively participate in the development of technology and integrated application roadmaps. Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Continuously improve applications and processes, with a focus on quality, efficiency, and user experience. Strategic Planning - Develop and maintain organizational strategies that support current and future workforce, business, and financial needs. Appropriately manage resource capacity and demand to meet business delivery and production support expectations. Leadership - Cultivate relationships across roles and lanes of business to maximize collaboration, partnership, and efficiency. Act in a leadership role to provide guidance to the development team and act as a liaison for multiple areas of the business and external clients. Partner across the organization and function as project development lead for enterprise-scale efforts. Develop and maintain organizational strategies that support current and future workforce, business and financial needs. Business Support and Management - Support at least one business such as Credit Risk, Account Protection, Customer Care, etc. Maintain and manage one to two vendor relationships. Reports To: Director, Engineering or Sr. Director, Engineering Direct Reports: 2-4 FTE, plus contractor resources Working Conditions/ Physical Requirements: Normal office environment. Some travel may be required. Minimum Qualifications: Bachelors degree in computer science or related field. 5+ years of experience leading a team of engineers in a professional setting. 2+ years of experience with technical components utilized by the team (building scalable and reliable distributed systems, public web APIs and server-side languages and data stores such as Go, Java, PostgreSQL, Redis, etc). Preferred Qualifications: Experience developing systems intended for cloud deployments (AWS,k8s, docker). Experience with Go/PostgreSQL/Redis/Kubernetes. Experience with Airflow or related technologies. Experience with technologies (Java, Javascript, Angular). Experience managing in an OKR and KPI environment. Experience with message-based, loosely coupled architectures (e.g. gRPC, Kafka and Redis) Knowledge, Skills and Abilities: Knowledge of financial products Web APIs Server Side Programming Distributed System Agile 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The core engineer uses code to connect data from back-end systems to a variety of endpoints and process data for financial systems. May create domain APIs for service engineering. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineers responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineers responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Minimum Qualifications Bachelor s Degree in Information Technology, Computer Science, Computer Information Systems, Software Engineering, Mathematics, Statistics, or related area or equivalent, relevant work experience 5+ years Preferred Qualifications 7+ years Skills JavaScript Microsoft Azure Functions Microsoft Azure SQL Java Full Stack Development DevOps AWS Development React.js Agile Methodology Angular Flutter Software Development Kit (SDK) Salesforce Development Reports To : Manager and above Direct Reports : 0 Work Environment 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The service engineer uses code to create APIs and/or microservices to connect core platforms to experiences. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineer's responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineer's responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Minimum Qualifications Bachelor’s Degree 2+ years of relevant work experience Preferred Qualifications 5+ years of experience in relevant field Skills React.js Microsoft Azure Functions Java Microsoft Azure SQL Full Stack Development DevOps Agile Methodology AWS Development JavaScript Angular Flutter Software Development Kit (SDK) Salesforce (Software) Reports To: Manager and above Direct Reports: 0 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Experience engineer uses code to develop visual experiences; web, mobile and other UIs. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers write the code to produce applications that provide measurable business value to our clients. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Engineers should have a passion for learning new languages/technologies and staying on top of the technology wave. Essential Job Functions Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Minimum Qualifications Bachelor’s Degree in Information Technology, Computer Science, Computer Information Systems, Software Engineering, Mathematics, Statistics, or related area or equivalent, relevant work experience 0-1 years of work experience in related field Preferred Qualifications 2+ years of work experience in related field Skills Agile Methodology Java JScript Microsoft Azure Functions Microsoft Azure SQL Full Stack Development AWS Development React.js Angular Flutter Software Development Kit (SDK) Salesforce Reports To: Manager and above Direct Reports: 0 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The service engineer uses code to create APIs and/or microservices to connect core platforms to experiences. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineer’s responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineer’s responsibility is to ensure the delivery of the software is high quality and automated as much as possible. Essential Job Functions Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations. Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience. Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development. Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes. Reports to : Technology Head of Engineering Direct Reports : None Working Conditions/ Physical Requirements Normal office environment, some travel may be required. Minimum Qualifications Bachelor’s Degree 2-5 years of related work experience Preferred Qualifications Five or more years of experience in related field Knowledge, Skills And Abilities Agile Development Process, Principles & Methodologies Business Acumen and Problem Solving Continuous Improvement DevOps Tools & Practices Java, JavaScript, Golang, Python, C++, API consumption and development Azure (or AWS equivalent): App Service, Functions, API management, Logic Apps, Data Factory, Event Hub, SQL Server, CosmosDB Has demonstrated basic knowledge of at least one in-demand programming language Has demonstrated knowledge in one “layer” of the solution stack (e.g., front-end, services) 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn. All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family Information Technology Job Type Regular Show more Show less

Every career journey is personal. Thats why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary Lead Enterprise Data Architect provides strategic leadership in the development and implementation of complex architectural solutions across the enterprise. Guide projects to ensure alignment with architectural standards. this position is for a broad architecture role with a focus on Data Architecture. Architects in this role are expected to have solid Data Architecture experiences at both the strategical and technical end of the spectrum. Expertise in enterprise data concepts such as MDM, data modeling (both transactional and analytical), various analytical platorm architectures (data lake, data lakehouse, data fabric, data mesh, etc.), data governance (data catalog, quality, lineage), data stream processing, data science, AI/ML, Generative AI. Deep familiarity with data engineering and analysis tools such as Airflow, Microstrategy, cloud data-related services, Snowflake, Collibra, Databricks, and other similar tools would be important. Essential Job Functions Collaborate with both business and IT function to foster innovation and ensure strategic alignment. - (30%) Drive the adoption of innovative technologies to improve business processes. - (20%) Oversee architectural governance and ensure compliance with IT policies. - (20%) Mentor junior architects and provide thought leadership across the organization. - (20%) Act as a subject-matter expert for enterprise architecture. - (10%) Minimum Qualifications Bachelor s Degree or equivalent education and / or experience in computer Science, Engineering, Mathematics or related field. 8+ years in Information Technology Preferred Qualifications Relevant certifications, such as TOGAF or AWS Solutions Architect Skills Application Development Business Alignment Business Process Modeling Business Case Development Code Inspection Cloud Architectures Enterprise Architecture Framework IT Architecture IT Roadmap Solution Architecture Reports To : Senior Manager and above Direct Reports : 0 Work Environment Normal office environment, hybrid. 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn . All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family: Information Technology Job Type: Regular

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Quality Assurance (QA) Automation Engineer I is responsible for test automation with agile and waterfall teams for core application projects which impact our care center, clients and customers. This role will work with team members to ensure automated testing is complete with proper coverage for all the requirements. Essential Job Functions Test Design - Write automation test scripts using an object oriented Ruby Cucumber framework for multiple applications like web based, web services and database. Contribute to extending the existing framework. Test Execution & Reporting - Execute tests as needed throughout projects, analyze and report test results. Identify and track defects through their lifecycle. Utilize defect management and organization skills, provide progress and metrics on test execution and defects to project team. Provide leadership while contributing to team and company objectives. Follow team and company standards and contribute to refine and improve process and procedure, while defining and maintaining test data. Subject Matter Expert – Develop and maintain expert understanding of all of the components and functionality of the system and framework. Business Communications – Demonstrate foundational knowledge of credit card operations, banking, financial, loyalty rewards, and credit card regulatory while working with various areas of the business. Demonstrate leadership by driving the automated testing of projects and collaborate with stakeholders in understanding the testing needs and reporting on testing results. Reports To Technology Head of Quality Assurance Direct Reports None Working Conditions/Physical Requirements Normal office environment. Some travel may be required. Minimum Qualifications Bachelor's Degree 1+ year of related work experience. 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. About Bread Financial 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn. All job offers are contingent upon successful completion of credit and background checks. Bread Financial is an Equal Opportunity Employer. Job Family Information Technology Job Type Regular Show more Show less