Portfolio Analytics, Lead

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Job Summary

Lead, Portfolio Analytics supports general manager teams by providing data driven actionable insights that guide portfolio management strategies. The Lead provides data driven insights through the application of applied research methodologies utilizing the understanding of retail, marketing, credit profitability and data around interactions between customers/retailers/card issuers, cardholder behavior, profitability based on channel of acquisition, purchasing method (mobile wallet vs. physical card, etc.), and digital interactions (mobile, web, etc.).

Essential Job Functions

• Influence through data - Design, create, evaluate, optimize, and deliver quantitative and qualitative offerings in relation to the portfolio trends, customer behavior.  Provide data driven actionable insights to support effective portfolio management strategies using robust analytical techniques. (Including, but not limited to, customer demographic, geographic, financial and lifestyle profiles; transactional, shopping and interaction activities; behavior hypothesis testing, data mining and customized reporting/analysis.)
• Effective Insight Generation – Extract data from a variety of customized sources, with a number of tools.  Apply knowledge and experience of a quantitative background to effectively navigate and pull logical meaning around the data. Formulate problem around business need (Design), structure the output (Create), Understand what it means and implies (Evaluate), turn the data into insights (Optimize)  and provide the results/recommendations (Deliver) directly to internal partners (GM teams, Marketing, Operations) and 3rd Parties (Brand Partners, Vendors) to directly impact business decisions. Additionally, sound problem formulation and a proactive approach to addressing analysis is required.
• Relationship Management- Act as primary Portfolio Analytics contact/resource for the General Manager teams and Brand Partners supported by the team. Regularly relied upon by the organization, and our brand partners, to consult and provide expert advice leading to decisions and/or recommendations in relation to potential product and marketing offerings, value propositions, customer facing capabilities, and potential partnerships. Effectively researches and resolves ad-hoc requests in relation to current and potential understanding of the end customer.
• Analytics Integration – With the primary analytics member on the general manager team, takes lead on facilitating work that requires expertise of the other analytics COEs (Data science, campaign optimization & loyalty, reporting, etc.) Works as a translator and liaison between business and analytics professionals to ensure effective application of analytics to drive right actions. Collaborates closely with credit management and finance partners to create a holistic point of view using data.
• Process and Project Management- Assist in the development of project requirements, analytic plans, project timelines, and other related materials for the management of deliverables.  Participate in strategic projects to identify enhancements to the Portfolio Analytics processes and offerings that will have a positive impact on Bread Financial's ability to deliver relevant marketing and create enduring loyalty (focus on the end-customer and brand partner). Prioritize and monitor project progress against goals, tracking budgeted hours. 
• Leadership & Talent Management - Lead, Coach, motivate, challenge and provide managerial guidance to the team.  Develop and execute training programs for the team. Utilizes excellent communication skills to articulate a strategic vision to the team. Solve problems and make decisions with sound judgement. 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.  Lead both direct reports and other associates to accomplish company initiatives.

Reports to: Manager/Sr. Manager

Working Conditions/ Physical Requirements: Normal office environment. Some travel may be required

Direct Reports: 0-3

Minimum Qualifications:

• Degree Required: Bachelor's degree
• Area of Study: Statistics, Mathematics, Computer Science, Information Systems, Economics, Finance, Marketing, Business or similar
• Years of Work Experience Required: 8 years or more
• Type / focus of work experience required: Analyzing marketing performance, driving marketing and business decisions through data extracts, queries and actionable insights. Experience with Data Mining Tools (SQL, SAS), Business Analysis, Supervisory experience

Preferred Experience:

• Degree Preferred: Master's degree
• Area of Study: Statistics, Mathematics, Computer Science, Information Systems, Economics, Finance, Marketing, Business or similar

Years of Work Experience preferred: Same as above

Type / focus of work experience preferred: Same as above

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:

Analytics

Job Type:

Regular

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