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Job Summary

The Senior Manager of Collections Strategy & Analytics provides senior-level leadership for collections strategy design, portfolio performance analysis, and analytical governance. This role is accountable for portfolio-level outcomes, establishes governance and quality standards, and ensures collection strategies align with credit risk objectives, operational capacity, customer treatment expectations, and financial goals. Beyond team leadership, the Senior Manager drives strategy development, test prioritization, and investment decisions by evaluating financial tradeoffs, assessing impacts to portfolio performance and operating costs, and incorporating forecasting considerations into decision-making. The role partners with cross-functional stakeholders to align priorities, support strategic initiatives, and deliver insights that drive business performance and operational effectiveness.

Essential Job Functions

• Partner with Operations and Advanced Analytics to set the strategic direction, prioritization, and optimization of collection strategies across delinquent portfolios. Evaluate performance drivers and treatment tradeoffs, translating insights into recommendations that improve portfolio performance and support enterprise objectives. - (35%)
• Lead the governance, measurement, and evaluation of collection strategies across delinquent portfolios. Establish analytical standards, assess strategy and test performance, quantify impacts to key business metrics, and partner cross functionally to deliver financially sound, operationally scalable recommendations for leadership decision making. - (25%)
• Lead and develop a team of Analysts and Lead Analysts through coaching, succession planning, and performance management. Establish operating routines that drive accountability, quality, engagement, and scalable team performance. - (25%)
• Communicate strategy performance, analytical insights, and recommendations to senior and executive leaders. Influence decisions through clear storytelling, sound judgment, and effective communication of business outcomes, risks, and tradeoffs. - (15%)

We currently have the ability to offer our Senior Manager- Collections Strategy and Analytics position at varying levels. Candidates will be assessed based upon several factors including, but not limited to, education, experience, and skill set.

Senior Manager- Collections Strategy and Analytics

Minimum Qualifications

• High School Diploma or GED
• 10-13 years of experience in analytics or financial forecasting and/or credit risk analysis
• 3+ years of leadership experience

Manager- Collections Strategy and Analytics

Minimum Qualifications

• High School Diploma or GED
• 8-10 years of experience in analytics, financial forecasting, collections strategy, and/or credit risk analysis
• 3+ years leading project(s), mentoring, and/or coaching experience

Preferred Qualifications

• Bachelor's Degree in Finance, Accounting, Statistics or Economics
• 15+ years of experience in analytics or financial forecasting and/or credit risk analysis

Skills

• Fraud Analysis
• Analytics Insights
• Credit Risk Analysis
• Pivot Tables
• Structured Query Language (SQL)
• Financial Analysis
• Financial Research
• Collections Strategies

Reports To: Director and above
Direct Reports: 2 - 5
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 10% 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.

Salary Range (unless otherwise noted below):

$125,400.00 - $200,600.00

Full Salary Range for position:

California: $144,200.00 - $250,800.00 Colorado: $125,400.00 - $220,700.00 New York: $137,900.00 - $250,800.00 Washington: $137,900.00 - $230,700.00 Maryland: $137,900.00 - $220,700.00 Washington DC: $144,200.00 - $230,700.00 Illinois: $125,400.00 - $220,700.00 New Jersey: $144,200.00 - $230,700.00 Vermont: $125,400.00 - $200,600.00 Ohio: $125,400.00 - $200,600.00 Maine: $125,400.00 - $200,600.00 Connecticut: $137,900.00 - $220,700.00 Virginia: $125,400.00 - $200,600.00

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:

Credit Operations

Job Type:

Regular