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Job Summary

Essential Job Functions

• Input and maintain accurate records of credit and fraud, ensuring all information is up-to-date and correctly formatted. Generate routine reports on credit risk metrics and portfolio performance for review by senior analysts and management; maintain the integrity of the credit risk and fraud database. - (40%)

• Assist in the preliminary analysis of credit applications and existing accounts. Gather and organize relevant financial data, perform basic credit and fraud assessments, and flag potential risks for further review by senior analysts. Process credit and fraud evaluations in a timely and efficient manner. - (30%)

• Schedule and prepare presentation materials, and manage correspondence related to credit and fraud risk management activities. Ensure that all documentation is properly filed and accessible, support the smooth operation of the credit risk management team. - (20%)

• Communicate with internal teams, such as underwriting and compliance, to gather necessary information and clarify credit and fraud risk-related queries. Coordinate with these teams to ensure that all credit and fraud risk management processes are aligned and any issues are promptly addressed. - (10%)

Minimum Qualifications

• Bachelor’s degree in finance, Business, Economics, Mathematics, Statistics or quantitative field or related.

• 0-1 years of analytical experience focusing on credit cards or other types of unsecured consumer lending and presentation experience.

Skills

• Credit Risk Analysis

• Microsoft Excel Functions

• SQL Database Queries

• Quantitative Data Analysis

Reports To: Manager and above

Direct Reports: 0

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.

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.

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 our co-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.com or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

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