Senior Enterprise Risk Analyst

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*Job Summary
The Credit, Treasury, Capital, Reputational, and Strategic Risk functions act as independent second line of defense (SLOD) risk pillars, which oversee and monitor exposures. These functions include escalating issues and recommending policies, procedures, standards, and practices, to manage the related risks of the organization. The Enterprise Risk Analyst, Senior will complete internal reviews and analyses as it pertains to first line actions, including acquisition, account management, loss reporting, review and performance of metric calculations, and other requests as needed. This role will provide adhoc reporting and analysis as necessary and will provide support across multiple risk pillars.

Essential Job Functions

• Analysis and Reporting - Analyze program related data, and review reporting and calculations to ensure accuracy and integrity of their processes and data sources. Collaborate with risk reporting and analytics team to gather, analyze and present data, both individual or in aggregate. Complete adhoc analysis requests in support of various SLOD programs, such as risk assessments and management reviews.
• Documentation and Execution - Prepare work papers, analysis reports, and other deliverables to ensure proper SLOD documentation is demonstrated. Identify mitigated and unmitigated business risks, which can result in financial, operational, regulatory, or reputational risks to the business. Gain an understanding of external events and emerging risks so that the first line of defense (FLOD) can manage them accordingly. Assist in ad hoc projects, regulatory exams, department updates, etc. as needed.
• Governance and Oversight - Review and challenge risk assessments, control ratings in the business, and process improvement activities. Support a proactive risk and control culture. Conduct risk assessments, prepare work papers and executive summaries. Assist with building out reporting dashboards and process maps seen by leaders and regulators.
• Acquisition Review and Analysis - Analyze and evaluate new account application underwriting standards performance for portfolios of clients. Analyze performance of past accounts and provide a credible challenge regarding Underwriting and Credit Limit assignment parameters. Participate in score cut reviews completed by the FLOD.
• Line Management Review and Analysis - Create, test and analyze efficacy of new credit limit strategies to measure quality of decisions made by the Credit Management team. Analyze reporting of key credit risk metrics necessary to understand changes in portfolio risk mix and trends in customer behavior. Develop, monitor, and analyze all credit management changes in near term to determine if expected impacts meet expectations.
• Technical Analysis – Re-perform, challenge, and document metric calculations that are a part of the metric review and certification process. Identify and recommend metric improvements, including but not limited to their respective targets and weightings. Perform deep dive assessments of Treasury & Capital models and provide results to leadership.

Reports To

• Manager or above

Direct Reports

• None

Working Conditions/ Physical Requirements

• Normal office environment.
• Some travel may be required.

Minimum Qualifications

• Bachelor's degree in finance, business, statistics, or accounting.
• 5+ years of experience working in banking, consumer lending, or the financial technology field (FinTech).

Preferred Qualifications

• Master's degree in finance, business, statistics, or accounting
• Experience working in Dataiku

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
Enterprise Risk

Job Type
Regular