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Job Summary

The Senior Product Designer is part of a team of product designers that creates best-in-class, customer-facing, digital product experiences. This position requires strong user experience and Human Factors design expertise, business perspective, and awareness of how technology integrates to deliver a digital product. This role helps to design and build products that transform the way consumers pay for their purchases and retailers grow their businesses, launching features that generate measurable business impact. Demonstrating an ability to influence across the Digital Product Organization, they lead according to standards of product design excellence. They consistently model best practices and improve digital product design delivery through team leadership, cross-functional evangelization, and knowledge-sharing.

Essential Job Functions

• Create exemplary prototypes and experiences, both alone and with other designers and key stakeholders, while balancing user needs, constraints of technology, brand values, and KPIs. Produce top-notch work that injects usability and delight into the user experience, as we continue to push the boundaries of modern UX - (30%)
• Works closely with product managers, developers, and other stakeholders to ensure the design vision is implemented effectively. This involves regular meetings, design reviews, and providing design specifications. - (25%)
• Collaborates with our user researcher to understand customer needs, behaviors, and pain points and other insights to inform design decisions. - (15%)
• Stays up-to-date with the latest design trends, tools, and best practices in the financial services industry. This helps in continuously improving design processes and ensuring the product remains competitive. Is instrumental in improving the efficiency of the Product Design. - (10%)
• Applies critical thinking to problem solve through design, testing assumptions and those on the team in order to push beyond the status quo - (10%)
• May collaborate with the Design Manager to support the growth and governance of Bread's Design System, which could include contributing to components, documentation, standards, and ensuring consistency and accessibility across design deliverables. - (10%)

Minimum Qualifications

• Bachelor's Degree in Human Centered Design, Product Design or related field of study or equivalent, relevant work experience
• 5+ years product design experience leading design projects and creating wireframes, mockups and prototypes independently; experience using product design tools, including Figma, inVision, and Adobe Creative Suite

Preferred Qualifications

• Experience in the fintech industry, designing B2B and B2C digital products, and leading or mentoring design teams in remote/distributed environments.
• Experienced in collaborating with engineering teams for seamless integration of design components, managing system documentation, and effectively communicating updates across distributed teams.
• Working knowledge of Agile methodologies and accessibility standards, with a strong grasp of WCAG and inclusive design principles.
• Skilled in building and maintaining design systems for large-scale digital products.
• Familiarity with design tokens, component libraries, and version control for design assets.
• Experience designing AI-enabled or AI-assisted product experiences, including exposure to both AI-augmented design workflows and consumer-facing AI interactions. Shipped AI products are not required, but candidates should demonstrate thoughtful design decisions, tradeoffs, and learnings in these areas.
• Proven ability to proactively lead through ambiguity by identifying opportunities, framing problems, providing strong systems thinking, influencing cross-functional partners, and driving progress in fast-moving environments where multi-tool, AI-augmented ways of working reshape roles and how teams deliver products.

Skills

• UI/UX Design
• Information Architecture Design
• Interaction Design
• Prototyping
• Visual Design
• Component Design

Reports To: Manager and above
Direct Reports: 0
Work Environment

• 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.

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
• Stationary Position/Seated
• Typing/Writing
• Maintain focus in high pressure or fast-paced work environment

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.

Salary Range (unless otherwise noted below):

$108,300.00 - $196,300.00

Full Salary Range for position:

California: $124,600.00 - $245,400.00Colorado: $108,300.00 - $206,100.00New York: $119,200.00 - $245,400.00Washington: $113,700.00 - $225,700.00Maryland: $113,700.00 - $215,900.00Washington DC: $124,600.00 - $225,700.00Illinois: $108,300.00 - $215,900.00New Jersey: $124,600.00 - $225,700.00Vermont: $108,300.00 - $196,300.00Ohio: $108,300.00 - $196,300.00Maine: $108,300.00 - $196,300.00Connecticut: $119,200.00 - $215,900.00Virginia: $108,300.00 - $196,300.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders.

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial's 401(k) plan.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time ("PSST") upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click here for more Benefits information.

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 ourco-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.comor follow us on Instagram and LinkedIn.

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

• The Company is an Equal Opportunity Employer.

• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.

• The Company participates in E-Verify.

• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.

• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at TaOps@breadfinancial.com.

Job Family:

Marketing

Job Type:

Regular