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Job Summary

Essential Job Functions

• Drive the design, development, and delivery of advanced financial technology solutions. Translate complex business needs into technical designs and oversee their implementation. Lead architectural decisions to ensure scalability, security, and performance. Take ownership of the most critical systems and resolve high-impact issues efficiently. - (15%)
• Lead the definition and enforcement of coding standards, testing protocols, and automation strategies across teams. Analyze and resolve defects, performance bottlenecks, and systemic inefficiencies. Continuously improve processes to align with enterprise goals, focusing on quality, scalability, and time-to-market. - (15%)
• Lead and oversee the design of scalable and secure software architectures. Ensure alignment with strategic goals and oversee the full development lifecycle. Provide expert guidance and technical direction to the team. - (15%)
• Drive initiatives to enhance system performance using cutting-edge technologies. Conduct thorough code reviews and enforce best practices to ensure robust, scalable solutions. Provide technical on-call support and respond to incident inquiries as needed. - (15%)
• Strategize and implement advanced UI/UX enhancements. Collaborate with teams to deliver exceptional user experiences. Utilize user feedback for continuous improvement and alignment with business needs. - (15%)
• Act as a trusted technical advisor across engineering, product, and business functions. Build relationships with senior stakeholders to align priorities and strategies. Mentor and guide engineers at all levels, promoting a culture of innovation and collaboration. Advocate for best practices in software engineering and Agile development while driving enterprise-wide initiatives. - (15%)
• Exhibit deep expertise in at least three programming languages. Lead the development and maintenance of multiple mission-critical applications. Serve as a subject matter expert in financial technology, payments systems, and cloud environments. Guide the adoption of emerging technologies and ensure alignment with Bread Financial’s strategy. - (5%)
• Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally.  Request and utilize feedback to foster personal development. - (5%)

Minimum Qualifications

• Bachelor’s Degree in Computer Science or related field of study or equivalent, relevant work experience
• 10-13 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).

Preferred Qualifications

• 13-15 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).
• Experience with Agentic AI, RAG, Gen AI

Skills

• JavaScript
• Microsoft Azure Functions
• Microsoft Azure SQL
• Java (Programming Language)
• Full Stack Development
• DevOps
• AWS Development
• React.js
• Angular
• Agile Methodology
• Python

Reports To: Senior Manager and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

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.

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