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Job Summary

The Loss Analytics team is responsible for the short-term and long-term forecasts of various losses including bankruptcy, deceased, settlement, aged loss, recoveries, fraud, delinquencies as well as contra-revenue items such as late fees charged off and finance charges charged off across various products such as private label cards, cobranded cards, proprietary cards, and BNPL. The analyst would play a crucial role in improving the accuracy of the loss forecasting models and will closely partner with business leaders to support ad-hoc analysis requests with leader guidance. The role's work is time sensitive, which will demand an individual to be very flexible and to multi-task. This is a role with a wide breadth of learning opportunities. Utilizes analytical skills, technical skills, and data analysis tools such as SQL/SAS, Python, and Microsoft Office (Word, Excel, Powerpoint) and Essbase.

 

Essential Job Functions

• Develop and enhance loss forecasting models independently, perform variance analysis, and communicate findings to management. This task requires a deep understanding of statistical methods and the ability to translate model outputs into strategic business decisions. This role involves developing into a full model owner which includes tasks such as updating, monitoring and enhancing the models. - (40%)

• Support the production of monthly short-term forecasts and quarterly long-term forecasts. Using monthly results and seasonal trends identify additional granular segments and/or macro-economic variables to improve the forecast accuracy and communicate to direct leader. Proactively manage the timelines for the various deliverables to ensure the loss forecasts are completed in a timely manner. ( - (20%)

• Develop ability to maintain and build analytics dashboards using MicroStrategy to streamline and automate various loss forecasting reports. - (20%)

• Maintain regular communication with business partners to assess the impact of new policies on credit losses and fraud expense. Utilize SQL and Microsoft Office tools to execute daily work.. - (20%)

Minimum Qualifications

• Bachelor’s Degree

• 2+ years of relevant work experience

Preferred Qualifications

• Master’s Degree Finance, Accounting, Statistics, Economics, Business, or related

• 3+ years of relevant work experience

Skills

• Credit Risks

• Data Trends

• Analytics Insights

• Structured Query Language (SQL)

• MicroStrategy

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment. Required to work onsite, full-time within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

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

• Move/Traverse

• Reaching

• Standing

• Stationary Position/Seated

• Typing/Writing

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:

Credit Operations

Job Type:

Regular