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Bread Financial

Co-brand and private-label credit provider

Golang Engineer

Full-Stack EngineeringConfirmed live in the last 24 hours
Full-time

About the Job

Requirements

  • A bachelor's degree in Computer Science or a related field of study, or equivalent relevant work experience.
  • At least one cloud certification, such as AWS Cloud Practitioner, Microsoft Azure Fundamentals, or Google Cloud Digital Leader.
  • Three to five years of experience in a related field, including software development lifecycle work across full-stack, frontend, backend, and UI/UX engineering.
  • Preferred: Five to eight years of experience in a related field, including software development lifecycle work across full-stack, frontend, backend, and UI/UX engineering.
  • Preferred: Working experience with Golang development, microservices, PostgreSQL, and AWS cloud.
  • Proficiency in at least one programming language.
  • Work authorization in the United States on a full-time basis without requiring sponsorship now or in the future; F-1 student visa holders are not eligible.

Responsibilities

  • Implement software based on technical designs and translate business requirements into functional components with minimal supervision; provide technical and on-call support, respond to incident inquiries, resolve medium-complexity issues, and meet project timelines.
  • Conduct unit tests, identify issues, participate in peer code reviews, and contribute suggestions to improve application quality, testing, and efficiency.
  • Collaborate with cross-functional teams to design, develop, and implement full-stack software solutions throughout the software development lifecycle.
  • Develop responsive user interfaces and robust backend systems using modern frameworks and technologies; follow coding, testing, and deployment best practices; troubleshoot complex issues and lead resolution of software defects.
  • Improve user interfaces using UI/UX design principles; collaborate with designers and developers, gather and analyze user feedback, and improve usability and user satisfaction.
  • Participate in a cross-functional Agile team and deepen understanding of team processes and tools.
  • Develop or maintain foundational components for financial applications and build technical knowledge through training and hands-on learning.
  • Travel up to 20% annually.

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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