Pricing Strategy Analyst
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Job SummaryThe Pricing Strategy Analyst will provide analyses and forecasts of credit program portfolio performance to support internal partners and corporate development decisions for new business and renewal prospects, promotional pricing, file performance tracking, and ad-hoc projects as needed. An individual in this role will use a disciplined data-driven approach and a strong understanding of portfolio profitability. This individual will assist in developing insightful analyses to provide concise recommendations for leadership to evaluate & prioritize initiatives and capabilities.
Essential Job Functions
Team Collaboration- Work with a cross functional team to determine reasonable assumptions and inputs to build the business case.
Business Case Development – Assist in creating presentations to present financials to senior leadership to help with the decision making and prioritization of global initiatives / projects. Develops cash flow models to evaluate risk and return via metrics such as ROI, ROA, and NPV. These will be used to support business cases and opportunities such as credit card portfolio acquisitions, start-ups, and business strategy. Ability to maintain organization while multi-tasking, paying attention to detail and setting priorities.
Reporting and Documentation- Ensures support and maintenance of key reports used to analyze financial performance. Assist in the review process of contracts and ensures compliance with modeled intentions. Completes research of competitor information and client specific research while communicating cross-functionally as needed. Utilizes excellent written and verbal communication to present research.
Model Enhancements – Recommends and prepares enhancements to models and documentation as necessary.
Presentation - Utilizes excellent written and verbal communication to present research, analysis, and recommendations to leadership and cross functional teams.
Financial analysis - Complete analysis and forecasting of financial performance and modeling for new business deals and contract renewals. Assist in the preparation of analyses, findings, and/or recommendations to be shared with leadership. Compiles and analyzes profit and loss statements (P&Ls) of numerous verticals. Analyzes and understands company financial statements. Analyzes client performance and trends to identify opportunities to optimize profit as well as protect the company. Is engaged in client discussions, and assists with the identification of objectives and success metrics. Shares findings and best practices with peers and management.
Time and Workload Management – Comfortable working under tight deadlines and varying workloads.
Reports to: Pricing Manager/Senior Manager
Working Conditions/ Physical Requirements: Normal office environment
This position is currently hybrid 3-4 days per month and could change due to business need. This position is currently available to candidates that reside within 60 miles of Columbus, OH; Chadds Ford, PA; New York NY; Plano, TX; Wilmington, DE.
High school diploma or equivalent education
Some experience (may include classroom, internship, or work experience) in an analytical role focusing on responsibilities such as P&L statements, financial statements, or other reporting utilizing Excel, SQL or similar technology
Bachelor’s Degree in Finance or Similar Field
One or more years strong analytical positions (financial services, consulting, credit card industry background preferred), 1-year experience (may include classroom, internship, or work experience) in an analytical role focusing on responsibilities such as P&L statements, financial statements, or other reporting utilizing Excel, SQL or similar technology, financial modeling
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.
Typical Starting Range:$54,100.00 - $98,000.00
Full Salary Range for position:California: $62,000.00 - $122,500.00Colorado: $54,100.00 - $103,000.00New York: $59,500.00 - $122,500.00Washington: $56,800.00 - $112,400.00
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.
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 receive 80 hours of Paid Sick and Safety Time per calendar year at the beginning of each year and is prorated in the associate’s first year of employment.
Hired associates will be able to elect to 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.
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About Bread Financial
At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its 7,500+ global associates and is committed to sustainable business practices.
- 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.
Job Family:Finance,Accounting and Banking