Credit Management Analyst, 2

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 Credit Management Analyst will approve profitable applicants and ensure they have the appropriate available credit. The Analyst will operate within contractual guidelines and adhere to established risk appetite tolerance levels. This role will monitor and analyze credit performance for brands, products, and strategies. This analysis will assist Credit Management leadership in establishing appropriate credit strategies across various products and brands. The Credit Management Analyst builds upon foundational analytical and technical skills, allowing for career development and growth.

Essential Job Functions

• Develop and assess credit management strategies to drive growth. Analyze past performance to refine strategies and create new credit policies. Generate detailed reports on key credit risk metrics to guide decision-making. - (40%)
• Assist in the preliminary analysis of credit applications and existing accounts. Gather and organize relevant financial data, perform basic credit and fraud assessments, and flag potential risks for further review. This support role is crucial for the timely and efficient processing of credit and fraud evaluations. - (20%)
• Utilize SQL, SAS, Python, and R to create comprehensive reports. Use data visualization tools like Tableau and MicroStrategy to present findings. Share insights with Credit Risk Leadership, Brand Strategy, Client Partnership, and other key stakeholders. - (20%)
• Ensure all credit policies and procedures comply with regulatory requirements and internal standards. Regularly review and update policies to reflect changes in regulations and market conditions. Conduct risk assessments and audits to identify and mitigate potential compliance issues. - (20%)

Minimum Qualifications

• Bachelor's Degree in Economics, Engineering, Finance, Computer science.
• 2+ years of professional work experience.

Preferred Qualifications

• 3+ years of professional work experience.

Skills

• Statistical Analysis Software (SAS)
• SAS SQL
• Python (Programming Language)

Reports To
: Manager and above

Direct Reports
: 0

Work Environment

• Normal office environment, hybrid.

Travel

• Ability to travel up to 5% monthly

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
• Typing/Writing
• Focus and complete tasks in situations that have a speed or productivity metric
• Maintain focus in high pressure or fast-paced 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 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