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Engineer IV

Bread

Bread

Other Engineering
Columbus, OH, USA
USD 134,400-278,200 / year + Equity
Posted on Oct 18, 2025

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Job Summary

The core engineer uses code to connect data from back-end systems to a variety of endpoints and process data for financial systems. May create domain APIs for service engineering. An engineer is responsible for understanding business problems, designing, developing, configuring, testing, and deploying software to provide the solution. Engineers most often use Agile techniques and are a part of a larger, cross-functional team. Depending on the team, an engineer’s responsibilities may be building pipelines, building test strategy, building cloud environments to be used in part of the development processes. The engineer’s responsibility is to ensure the delivery of the software is high quality and automated as much as possible.

Our current ecosystem is heavily based on a combination of Azure App Services and legacy mainframe. This position has a pivotal role in our modernization efforts as we move to an AWS microservices architecture.

Successful candidates must have deep technical knowledge and demonstrated success working in a collaborative environment across diverse teams.


Essential Job Functions:

  • Utilize the software development lifecycle to implement technology solutions that create and enhance applications. Inspect, analyze, and translate functional and non-functional requirements into technical design, application code, and configuration parameters. Produce design specifications, including screen layouts, graphical user interfaces, and printed outputs developed for self and others. Convert technical design and specifications into functioning components through the development of application code and configuration. Provide technical on-call support as defined within team and role expectations.

  • Create and execute unit tests to ensure issues are proactively identified within the software development lifecycle. Analyze code to identify causes of errors and defects. Remediate known errors within development and production support contexts. Review application code for self and others. Define, support, and enforce code standards and guidelines relevant to the applications and technologies being supported. Estimate and size work based upon high-level requirements. Continuously improve applications and processes with a focus on quality, efficiency, and user experience.

  • Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Request and utilize feedback to foster personal development.

  • Expectation is to be proficient in at least two and ideally three programming languages (e.g. COBOL, Java) and develop or maintain at least three application.

  • Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Strive to influence the team to generate support to achieve desired business outcomes.

Reports to: Technology Head of Engineering

Direct Reports: None

Working Conditions/ Physical Requirements:

  • 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

Minimum Qualifications:

  • Bachelor's Degree or equivalent experience in Information Technology, Computer Science, Computer Information Systems, Software Engineering, Mathematics, Statistics, or related area

  • 7+ years of related work experience

Preferred Experience:

  • Bachelor's Degree or equivalent experience in Information Technology, Computer Science, Computer Information Systems, Software Engineering, Mathematics, Statistics, or related area

  • More than 10 years of experience in a related field

  • Advanced technical experience designing and implementing scalable, resilient, and performant high-volume cloud-native microservices

  • Tech leadership experience modernizing tech stacks to the cloud, Preference of mainframe to AWS or similar transformation effort

  • Direct experience decoupling monolithic applications, Direct tech leadership and or significant hands-on development

Skills:

  • Agile Development Process, Principles & Methodologies

  • Business Acumen and Problem Solving

  • Continuous Improvement

  • DevOps Tools & Practices

  • Java, Go, C#, .net, Ruby, PHP, etc.

  • Kafka or similar event-driven platforms

  • Azure App Services, and or AWS Elastic Beanstalk and ECS

  • Azure Function Apps and or AWS Lambda

  • Azure AKS and or Amazon EKS

  • Azure APIM and or Amazon API Gateway

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):

$134,400.00 - $278,200.00

Full Salary Range for position:

California: $154,500.00 - $347,700.00

Colorado: $134,400.00 - $292,100.00

New York: $147,800.00 - $347,700.00

Washington: $141,100.00 - $319,900.00

Maryland: $141,100.00 - $306,000.00

Washington DC: $154,500.00 - $319,900.00

Illinois: $134,400.00 - $306,000.00

New Jersey: $154,500.00 - $319,900.00

Vermont: $134,400.00 - $278,200.00

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 (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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.

To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or 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:

Information Technology

Job Type:

Regular