Job Description 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 Customer Care Department is driven by a talented group of customer experience professionals who take considerable pride in building customer and brand loyalty through positive customer interactions. The associate is responsible for providing a superior and efficient experience on inbound and outbound customer service calls and emails from customers, while adhering to all procedural and regulatory guidelines. The associate is responsible for a multitude of inquiries including (but not limited to) Fee Inquiries, Credits/Return Calls, Credit Limit inquiries, Dispute intake, and authorization requests for products that Bread Financial offers to its customers. Essential Job Functions Customer Experience - Answer a variety of inbound customer service calls and emails from customers. Efficiently build a connection with customers through care, empathy, listening, acknowledgement and through providing accurate information. Interact professionally, respectfully, and energetically to mutually resolve customer inquiries through negotiation and education. Recognize when to leverage resources to resolve customer inquiries. Demonstrate ownership and accountability without placing blame. Build Relationships – Serve as a customer advocate to assist customers transactions. Work independently and as a part of a team. Actively engage with teammates to achieve common goals through knowledge sharing. Communication – Demonstrate outstanding verbal and written communication skills when working with internal and external partners. Explain complex topics in a clear and concise manner. Respond well under pressure and appreciate ambiguity as a normal business condition. Give and accept feedback as a matter of practice. Document interactions and update customer records in company systems. Utilize knowledge of Microsoft Office tools such as Outlook and Teams to execute daily work. Reports To Lead or above Working Conditions/ Physical Requirements Normal office environment, no travel required. Direct Reports: None Minimum Qualifications Bachelor’s Degree 1 to 2 years of customer service experience in call center or related experience Must be able to pass English Assessment 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

Job Description 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 Model Development Analyst 1 is responsible for generating data-driven insights into all modeling needs of the Banks and the practical results of models. This role’s focus is to help the Banks understand their risk profiles along with risk management processes that are needed in support of those risk profiles. Besides capital modeling, the Model Development Analyst 1 takes ownership of stress testing in other areas, including the stress testing required by the Dodd-Frank Act Stress Tests (DFAST), liquidity stress testing, and other. This position is also responsible for models such as Current Expected Credit Loss (CECL), Pricing, etc. In addition, this Analyst is responsible for analyzing the effects of policy and strategy changes on outcomes. Some of this analysis entails the building of models while some will require other analytical skills. Essential Job Functions Analytics - Work with the team leader to establish portfolio-level financial analyses to understand emerging trends, size financial impacts, and answer key leadership questions. Conduct data integrity checks and applicable data pre-processing such as treatment of missing values and outliers. Conduct exploratory data analysis for preliminary data insights to drive the selection of modeling approach that best addresses the business problem. Assist in building predictive models using statistical methodologies like decision trees, regression modeling, and clustering. Utilize knowledge of macro-economic variables and macro-economic scenarios for economic capital prediction and stress testing. Create standard operating procedures and documentation for key processes. Business Relationships - Summarize results into key insights that are easy to understand and prove useful and present key findings and recommended solutions to internal and external business partners. Provide recommendations regarding how to use data science and models to drive critical business decisions. Translate partners’ business needs into analytics projects and quickly estimate potential benefit. Demonstrate knowledge of the business, such as drivers of profitability, system capabilities, and company goals. Collaboration - Under supervision and guidance, translate analytical results into useful recommendations for review with manager. Demonstrate strong verbal and written communication skills when working with internal partners and when presenting results to various audiences. Work across the finance organization with other data scientists to coordinate standardizing definitions / calculations, sharing of best practices, development of foundational knowledge of credit card operations, banking, financial, loyalty rewards, retail, and credit card regulations while working with the business. Collaborate with other data scientists in the company to share best practices and data science innovations. Data Science Innovation – With direction from leader, research industry trends in data science of new tools, emerging algorithms, advanced platforms, and alternative data to enhance modeling effectiveness and efficiency. Conduct use case testing for new tools/techniques/platforms/data and provide user input/feedback. Reports To: Lead or above Direct Reports: None Working Conditions/Physical Requirements Normal Office Environment. Hybrid role, work in corporate office as required. Minimum Qualifications Bachelor’s degree in Finance, Statistics, Econometrics, Quantitative Analysis, Economics or related field of study. Preferred Qualifications Master’s degree in Finance, Statistics, Econometrics, Quantitative Analysis, Economics or related field of study. Certified or pursuing CFA, FRM, or equivalent certifications. 1+ years of relevant experience in Model risk, data analytics or financial reporting. Experience with Python, SQL, or SAS. Knowledge, Skills And Abilities Stress testing Verbal and written communication skills Collaboration 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 Enterprise Risk Job Type Regular

Job Description Every career journey is personal. That&aposs 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 Data Management Senior Manager will oversee the organization&aposs data management initiative across one or more aspects of the data lifecycle, to ensure alignment with policies, standards, and data risks controls. This role will require expertise in data classification, metadata management, data quality, data retention and data sharing to strengthen policy-based frameworks and improve enterprise data usability. This role will contribute to the development and implementation of best practices for mastering data domains, regulatory compliance, and data stewardship, collaborating with business and technology teams to drive operational excellence. This role is ideal for a data professional who is passionate about enabling trusted, well-managed data ecosystems and ensuring the data is properly governed, classified and securely managed. Essential Job Functions Partner with data communities and collaborate cross-functionally with Data Governance, IT another functions both onshore and offshore to ensure integration of data quality/management processes. Collaborate with cross functional teams to address data-related issues and provide innovative solutions. Network with senior internal and external personnel in own area of expertise. - (20%) Influence and guide across one or more data disciplines through clear communications, decision-making, conflict resolution and inspiring others to achieve their best. Provide guidance, priorities, and personal development of the team. - (20%) Escalation points to assist in resolving problems of diverse scope where analysis of data requires evaluation of identifiable factors. Identify, design, develop and implement data centric solutions driven in alignment to the goals of the Data and Analytics department. Demonstrate good judgment in selecting methods and techniques for obtaining solutions. - (20%) Create and maintain documentation, define and/or implement procedures, ensure compliance with policies and standards and report on established metrics and KPIs. - (20%) Manage the implementation of data lifecycle management strategies, roadmaps and policies ensure data integrity, security, and accessibility throughout the data lifecycle. Establish evidence from industry research of best practices to expand the policies, standards and procedures. - (20%) Minimum Qualifications Bachelors Degree computer science, engineering, information technology or a related STEM field of study. Certified Data Management Professional (CDMP from DAMA). 10+ years of experience working in data engineering, application development, or data architecture. 5+ years of experience leading a team of people. Preferred Qualifications Masters Degree business, information technology, computer science or related STEM field of study. Experience implementing data management capabilities in a financial services firm. Skills Microsoft Office Cloud Technology Records Management Reports To : Senior Manager and above Direct Reports : 6 - 10 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, youll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. Weve been consistently recognized as a best place to work nationally and in many markets and were proud to promote an environment where you feel appreciated, accepted, valued, and fulfilledboth 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 Show more Show less