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Job Summary

Essential Job Functions

• Manages all the facets of the analytical project lifecycle, including data collection and exploration, code development, validation, and deployment. Create data-driven marketing proposals, initiatives, and presentations to improve customer relationships and increase sales. - (15%)

• Translate business partners’ needs into advanced analytics projects and prioritize projects based on expected tactical and/or strategic business impact as well as available resources to achieve timely project deliveries. - (10%)

• Conduct advanced statistical analysis and research to enhance predictive modeling capability, and to broaden and deepen the impacts on consumer marketing in direct and digital channels. Lead efforts to develop models across customer lifecycle, for example, acquisition, existing customers, retention, etc. - (10%)

• Develop a team of associates and understand and improve existing process to gain efficiency. Understand organizational priorities and dynamics and guide the team efforts and work to align with enterprise strategy and participate in enterprise wide initiatives. Lead, Coach, motivate, challenge and provide managerial guidance to the team. Develop and execute training programs for the team. - (10%)

• Utilizes excellent communication skills to articulate a strategic vision to the team. Provides continuous feedback and completes formal performance evaluations as directed by the organization. Values associate recognition and celebrating the accomplishments of individual team members as well as the overall team. - (5%)

• Lead both direct reports and other associates to accomplish company initiatives. Lead critical business initiatives in partnership with associates across geographies (as required). - (15%)

• Build a strong relationship and provide consultation to both internal business partners and external clients to expand the influence of Data Science on Bread Financial’s business. Values strategic communication and the importance of building consensus - (10%)

• Acts as extension of US Data Science team and interacts with key internal stakeholders to drive the correct analysis & recommendations for our brand partners. Design and present solutions to internal and external business partners/leadership. - (5%)

• Lead individuals that are responsible for building and enhancing existing models for our Brand Partners. Demonstrates attention to detail and accuracy by analyzing data and drawing conclusions based upon the data. - (10%)

• Extensive hands-on experience in model development and Machine learning algorithms. Expertise in developing and applying Data Science/ML models and algorithms in retail, banking, or/and fintech domain. Work across the customer lifecycle to develop objective functions that optimize the response rate, sales, acquisition, based on business requirements. - (10%)

Minimum Qualifications

• Bachelor’s Degree in Statistics, Mathematics, Computer Science, Information Systems, Economics, Finance, Marketing, Business, or similar.

• 10+ years years of work experience developing machine learning models to deliver insights and solve business problems within a bank, credit card, retail, or insurance business. Some people and/or project management experience. Supervisory experience.

• Experienced in end-to-end project delivery including, model deployment, strategy building, financial impact/scenario analysis (including Operational Savings, Cost Avoidance, Topline growth, Bottom line Growth, ROI, etc.).

Preferred Qualifications

• Master’s Degree ,MBA, or equivalent experience in Statistics, Mathematics, Engineering, Data Science, Computer Science, Economics, or other quantitative fields.

• Business acumen through demonstrated knowledge of credit card operations, banking, financial, loyalty rewards, retail, and credit card industry.

• Proven expertise in leveraging a variety of data sources including first party and third party data, digital metrics, structured/unstructured data.

• Additional exposure to upcoming and cutting-edge fintech/payment solutions is desirable.

Skills

• Statistics

• Credit Management

• Model Development

• Data Analytics

• Data Science

• People Leadership

Reports To: Senior Manager and above

Direct Reports: 11 - 15

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.

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