Credit Management Senior Analyst - Home Improvement Lending

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The Credit Management Department plays a crucial role in facilitating profitable growth by managing the risk/reward tradeoff for various credit decisions throughout the lifecycle of an account. These touch points include, but are not limited to new account approval criteria, initial credit limit assignment, existing account credit line management, credit authorizations, card reissue, high-risk account management, marketing program credit qualification, and P&L delinquency and loss forecasting.

Credit Management continuously develops and refines criteria in these areas by brand, product (cobrand, PLCC, installment loan), and channel. The team collaborates with business partners to achieve best-in-class profitability while adhering to industry regulatory guidelines. As a Senior Analyst, your responsibility is to ensure that the actions taken align with the department's goals.

• Develop and assess new account acquisition strategies to drive growth. Analyze past performance to refine strategies and create new credit limit policies. Generate detailed reports on key credit risk metrics to guide decision-making. (50%)
• Address ad‑hoc requests from internal stakeholders promptly and effectively. Evaluate, research, and resolve various issues that arise. Communicate clearly and build strong relationships with different departments. (20%)
• Utilize SQL, SAS, Python, and R to create comprehensive reports. Use data visualization tools like APT, Decision Trees, and Microsoft Office 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. (10%)

• Bachelor’s Degree in Finance, Business, Economics, Mathematics, Statistics or quantitative field or related
• 5+ years analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience

• Master’s Degree in Finance, Business, Economics, or quantitative field or related or related
• 6+ years SAS/SQL, Python, R proficiency, credit card or other consumer lending experience.

• Structured Query Language (SQL)
• Python (Programming Language)
• Dataiku
• Account Management
• Data Analytics
• Data Visualization
• Decision Trees
• Pivot Tables
• Trend Analysis

Associate Manager and above

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• 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.

• Ability to travel up to 5% annually

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.

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

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.

$79,500.00 - $

California: $91,500.00 - $
Colorado: $79,500.00 - $
New York: $87,500.00 - $
Washington: $83,500.00 - $
Maryland: $83,500.00 - $
Washington DC: $91,500.00 - $
Illinois: $79,500.00 - $
New Jersey: $91,500.00 - $
Vermont: $79,500.00 -…