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Job Summary

Supervisor - Operations serves as the key expert in the respective business areas providing deep functional knowledge. This role is responsible for reviewing, analyzing and improving critical workflows such as account opening, transaction processing, reconciliations, and card servicing. The SME drives operational readiness for new product launches, system implementations and regulatory changes, while leading process automation and digital transformation initiatives to enhance efficiency and accuracy. They also develop and maintain comprehensive Standard Operating Procedures (SOPs), process maps, and operational guidelines aligned with industry best practices.

 

Essential Job Functions

• Compliance and process - Ensures strict adherence to regulations is a fundamental responsibility. Partners closely with risk and compliance teams to support audits. Maintain current knowledge of regulatory requirements and company policies to ensure all back-office activities comply with procedural and operational standards. - (30%)
• Conducts root cause analysis to identify operational errors or SLA breaches, with corrective and preventive actions implemented promptly. Additionally, the SME oversees service level agreements to uphold compliance and operational integrity. - (10%)
• Performance - Consistently meets key performance metrics such as turnaround time (TAT), accuracy, error rates, Net Promoter Score (NPS) and First Time Right (FTR) rates. Effectively manages multiple priorities and complex projects while driving change through critical initiatives that improve processes and operational outcomes. - (30%)
• Utilizing strong analytical skills, the SME interprets operational data to make informed decisions and recommendations. They also develop training programs and mentor junior staff to build operational acumen and enhance overall team performance. - (10%)
• Business Relationships - Effective communication and collaboration with internal and external stakeholders are central to this role. The SME works closely with teams across Risk, Compliance, IT, Finance and Customer Service to ensure alignment and resolve operational challenges. - (10%)
• Demonstrates ownership by driving time-bound outcomes and applying critical thinking to analyze business problems and recommend solutions. Through stakeholder engagement, the SME builds consensus on best practices and operational improvements, supporting a customer-centric approach and fostering a culture of continuous improvement. - (10%)

Minimum Qualifications

• Bachelor’s Degree in Business, Arts, Commerce, Humanities or equivalent
• 4-5 years of Work Experience
• Experience in Back Office and/or Process Outsourcing

Preferred Skills

• 5 years of Work Experience
• Knowledge on Reports and Trends
• Must be flexible with a Rotational Schedule
• Currently in a Team Lead role

Skills

• Process Optimization
• Data Analysis
• Root Cause Analysis (RCA)
• Regulatory Compliance
• Coaching and mentoring
• Critical Thinking
• Analytical Thinking
• Time Management
• Collaboration
• Teamwork
• Process Audits
• Workflow Management

Reports To: Associate Manager and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid

#indclass

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 deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

 

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com 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:

Operations

Job Type:

Regular