Customer Care Associate

Alliance Data Systems, Inc.; Bengaluru; Hybrid; INR 3,455,000 - 4,990,000; Full time

Job summary

Bread Financial is seeking a Customer Care Associate to deliver superior service on inbound and outbound calls and emails. You will answer fee inquiries, credits, dispute intake, and authorization requests while adhering to regulatory guidelines.

The role emphasizes researching issues, resolving inquiries, and maintaining accurate customer records while meeting key metrics. Hybrid work environment and strong communication are essential.

Qualifications

• Bachelor’s degree or equivalent.
• Strong communication and problem-solving skills.
• Ability to handle multiple customer inquiries professionally.

Responsibilities

• Identify customer needs, research issues, and provide accurate solutions.
• Remain composed under pressure and manage challenging customer interactions.
• Analyze issues, identify root causes, and apply effective problem-solving skills.
• Comply with policies and process a defined minimum volume of transactions monthly.
• Respond to inquiries via phone, email and chat with accurate information and resolution.
• Document interactions and update customer records in company systems.

Skills

Communication skills

Logical Thinking

Conflict Resolution

Time Management

Customer Centricity

Patience with Customers

Active Listening

Multitasking

Customer Service

Team Collaboration

Education

Bachelor’s Degree

Job description

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here.

Job Summary

The Customer Care Department is driven by a talented group of customer experience professionals who take considerable pride in building customer and brand loyalty through positive customer interactions. The associate is responsible for providing a superior and efficient experience on inbound and outbound customer service calls and emails from customers, while adhering to all procedural and regulatory guidelines. The associate is responsible for a multitude of inquiries including (but not limited to) Fee Inquiries, Credits/Return Calls, Credit Limit inquiries, Dispute intake, and authorization requests for products that Bread Financial offers to its customers.

Essential Job Functions

• Identify customer needs, research issues, and provide accurate solutions.
• Remain composed under pressure and manage challenging customer interactions.
• Analyze issues, identify root causes, and apply effective problem-solving skills - (25%)
• Ensures compliance with company and regulatory guidelines by quickly mastering relevant policies, processes, and operations. Accurately follows established procedures, processes a defined minimum volume of transactions monthly, and demonstrates technical aptitude by understanding current operational functionality. - (25%)
• Respond to customer inquiries promptly and professionally via phone, email and chat providing accurate information and resolving issues effectively. Achieves key metrics: Accuracy, AHT, NPS, Attribute scores and other related metrics. Works independently to achieve individual & team goals - (25%)
• Demonstrate outstanding verbal and written communication skills when working with internal and external partners. Explain complex topics in a clear and concise manner. Give and accept feedback as a matter of practice. Document interactions and update customer records in company systems. Utilize knowledge of Microsoft Office tools such as Outlook and Teams to execute daily work. - (25%)

Minimum Qualifications

0-1 years of customer service experience in call center or related experience Must be able to pass English Assessment Preferred Qualifications Bachelor’s Degree Skills Communication skills Logical Thinking Conflict Resolution Time Management Customer Centricity Patience with Customers Active Listening Multitasking Customer Service Team Collaboration

Reports To

Reports To: Supervisor and above Direct Reports: 0

Work Environment

Hybrid

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 ourco-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.

Job Family: Care Center Operations

Job Type: Regular

About Bread Financial

As a tech-forward financial services company, we strive to create value for both our customers and our associates. At Bread Financial, you are empowered to thrive. Our company is bold, tenacious and innovative, challenges you to be your best, respects your voice, recognizes your contributions, cares for your total well-being, and has a collaborative, kind and inclusive culture that fosters growth and success. Bread Financial is headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its approximately 7,000 global associates. 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.

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

Bread Financial is an Equal Opportunity Employer.