Principal - Account Manager, Product & New Accounts

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Job Summary

This role is responsible for developing strategies for product offerings, capabilities, features, & new account acquisition to drive growth of assigned credit card portfolios. This role supports & nurtures brand partner relationships for growth & gains alignment on key product, capability, & New Account initiatives to optimize portfolio health. They collaborate with & indirectly lead cross-functional Matrix teams to deliver acquisition & product strategies, ensuring the needs of both the client & organization are met. They use data shared by Matrix partners to make key portfolio decisions & align strategies with business goals, ensuring efficient resource allocation. This role resolves multi-faceted acquisition & product-related issues & removes internal roadblocks to achieve goals. The candidate identifies portfolio needs, aligns plans with P&L goals, prioritizes capabilities, leads analytics to guide strategy, & manages value proposition impacts.

Essential Job Functions

Nurture relationship to drive business growth and retention. May present to c-suite. Advocates for our brand partners in a way that simultaneously meets business objectives.Removes internal roadblocks and initiates escalations. - (20%)

Sets objectives, negotiates outcomes, and collaborates with the matrix team including Credit Management, Field, Portfolio Analytics, & Marketing to achieve objectives.Work cross-functionally across the organization including digital, capabilities, tech, operations, and fraud to ensure Client Strategies align with overall business goals. - (20%)

Initiates or partners with peers on resolution to complex problems impacting many teams or the org, working through ambiguity & high stress situations to reach solutions with strategic goals. Ensures resources are allocated to resolve significant issues efficiently. Collaborates with brand to tackle challenges, making decisive choices in ambiguous & high stakes environments. - (20%)

Identify strategic needs of portfolio and request plan from MCOE specific to Acquisition on an annual/quarterly basis.Ensure plan aligns with P&L and long term plan.Presents annual plan and gains client approval.Share strategy briefs/deadlines with client for ongoing campaigns.Review results and recommendations with brand. - (15%)

Assesses suite of capabilities and identifies capabilities that drive strategic portfolio objectives.Prioritizes new capability turn-on in collaboration with peers based on value driven to business.Builds compelling case to support recommendations to brand partner with clearly outlined benefits.Ensures correct product mix for brand based on business need and P&L impact. - (10%)

Leads the coordination & development of more complex analytics to predict future performance trends and guide strategic decisions.Integrates data from multiple sources across departments to provide a holistic view of performance.Identifies opportunities for process optimization and innovation through advanced data analysis. - (5%)

Drives strategy for the Value Prop informed by portfolio objective.Consults MCOE in value prop management process.Responsible for bringing along ECM and other matrix partners.Gains brand alignment to changes/new opportunities.Manages P&L impacts. - (5%)

Leads the development of comprehensive forecasts for acquisition and new account numbers, integrating cross-functional data. Ensures forecasts align with strategic goals and accurately predict P&L impact. - (5%)

Minimum Qualifications

Bachelor’s Degree in Business Administration, Marketing or related field of study or equivalent, relevant work experience

10-13 years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management

Preferred Qualifications

Master’s Degree in Business Administration, Marketing, Finance, or related field of study

Experience leading complex initiatives in a highly matrixed environment

Experience managing strategic client relationships and senior-level stakeholders

Experience leading credit card product launches, retail partnerships, or PLCC programs

Experience using performance metrics and data to guide strategic decisions

Skills

Expense Management

Long Term Planning

Marketing

Financial Acumen

Account Management

Project Management

Portfolio Management Strategies

Reports To : Director 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 Bread Financial location. Periodic travel to brand partner offices and events. May require work outside of standard business hours.

Travel

Ability to travel up to 10% quarterly

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

Communicate/Hearing

Communicate/Talking

Stationary Position/Seated

Typing/Writing

Maintain focus in high pressure or fast-paced work environment

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): $139,800.00 - $223,700.00

Full Salary Range for position:

California: $160,800.00 - $279,600.00 Colorado: $139,800.00 - $246,100.00 New York: $153,800.00 - $279,600.00 Washington: $153,800.00 - $257,300.00 Maryland: $153,800.00 - $246,100.00 Washington DC: $160,800.00 - $257,300.00 Illinois: $139,800.00 - $246,100.00 New Jersey: $160,800.00 - $257,300.00 Vermont: $139,800.00 - $223,700.00 Ohio: $139,800.00 - $223,700.00 Maine: $139,800.00 - $223,700.00 Connecticut: $153,800.00 - $246,100.00 Virginia: $139,800.00 - $223,700.00

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.

You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders.

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 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 .

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: Client Services

Job Type: Regular