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Bread Financial

Co-brand and private-label credit provider

Director Rewards Development & Delivery

Business OperationsConfirmed live in the last 24 hours
Full-timeColumbus, OH, USA

About the Job

Requirements

  • A high school diploma or GED is required.
  • 13–15 years of experience in financial services, marketing, retail, information technology, or analytics is required.
  • At least 6 years of leadership experience is required.
  • Experience in the rewards and loyalty space is required.
  • A bachelor's degree in Business, Marketing, or Computer Science, or equivalent relevant work experience, is preferred.
  • A master's degree in a related field of study is preferred.
  • Prior leadership experience in a similar role is preferred.
  • Must be authorized to work full-time in the United States without sponsorship now or in the future; F-1 student visa holders are not eligible.
  • Must work at a Bread Financial office at least 6 days per month; if not located near an office, must be able to travel 6 days per month.
  • Must be able to travel up to 5% annually.
  • Must be able to perform the listed physical, mental, and work-environment requirements, including communicating by hearing and talking, remaining seated, typing and writing, and maintaining focus in a high-pressure or fast-paced environment.

Responsibilities

  • Lead third-party relationships for platform development, maintenance, and oversight; create and manage the strategic roadmap for the loyalty platform.
  • Oversee operational functions from intake through quality assurance and continuous improvement; manage development and ensure adherence to regulatory and contractual guidelines.
  • Ensure rewards programs meet brand contractual obligations.
  • Lead and motivate teams, aligning people and technology with business decisions.
  • Ensure a proper control framework and facilitate audit activities.
  • Collaborate with product owners and teams to align product strategy with execution.

About the Company

Bread Financial

Co-brand and private-label credit provider

Bread Financial designs and manages co-brand and private label credit card programs for retailers, providing customized financing solutions through store- or partner-branded cards. It supports risk management, account origination, and funding, earning revenue mainly from interest and fees on these accounts, including late fees, with a significant share from subprime borrowers. The company has shifted from Alliance Data Systems to a technology-focused provider, but it operates a monoline, card-centric model tied to a small number of retail partners, which creates concentration risk and exposure to regulatory and cost changes. Its goal is to help retailers attract and retain customers through tailored financing and loyalty-enabled credit products, using data-driven risk management and technology to scale partner-focused financing programs.

Company size
1,001-5,000
Company stage
IPO
Headquarters
Columbus, OH
Founded
1986

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