Adaptive Control Analyst-1

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Job Summary

The Adaptive Control Analyst will translate business strategies from internal partners, particularly the Credit Management team, into executable code within Adaptive Control software like Strategy Manager and PowerCurve. As the primary point of contact for systems such as Experian Probe SM, PowerCurve, and/or Defense Edge Fraud System, this role will gather business requirements, coding, testing, and install these strategies into production. The Analyst collaborates directly with Credit Management underwriters, collections/recovery/fraud strategists, and other business partners to evaluate and implement proposed business strategy changes.

Essential Job Functions

• Implement new and ongoing business strategies through coding and unit testing within Adaptive Control Software. Conduct User Acceptance testing (UAT), securing sign-offs, and performing pos install validation using SQL, software specific tools, and mainframe utilities. Compile and maintain all necessary documentation for auditing and record keeping. - (35%)

• Be the liaison between project teams and Adaptive Control Systems. Participate actively in gathering detailed project requirements by partnering with diverse internal and external stakeholders. Utilize critical thinking skills to analyze complex business issues, collaborate effectively to resolve problems, and develop comprehensive design documents outlining proposed strategy changes. - (25%)

• Monitor error reporting and queues using mainframe error queues, reports, tables, and logs to identify and address issues promptly. Troubleshoot daily transactional issues and provide ongoing operational support for deployed strategies, ensuring system stability and performance. - (20%)

• Conduct ad-hoc research and fulfill various data requests related to outlier accounts, unexpected results, account performance questions, unanticipated volumes, compliance/legal concerns, capabilities, and consumer complaints. Compile findings into clear, concise reports as needed for business partners. - (10%)

• Facilitate clear and concise communication with technical and non-technical associates, as well as upper management, regarding strategy changes and system impacts. Work collaboratively with stakeholders to gain consensus on optimal solutions for strategy implementation and problem resolution. - (10%)

Minimum Qualifications

• Bachelor's Degree in Business, Finance or Computer Programming

• 0-1 years of experience in a credit, finance, or programming role, with exposure to scripting or query languages (e.g. SQL)

Preferred Qualifications

• 3+ years of experience in a credit, finance, or programming role with exposure to scripting or query languages (e.g. SQL)

Skills

• Programming Languages

• End-to-End Testing

• File-AID

• Notepad++

• Scripting

• Computer Coding

• Structured Query Language (SQL)

• Microsoft Access VBA

• Java

• SAS

• Experian Software

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing

• Communicate/Talking

• Move/Traverse

• Reaching

• Standing

• Stationary Position/Seated

• Typing/Writing

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 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

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