Principal - Account Manager, Product & New Accounts

Bread Financial; Columbus (OH); Hybrid; USD 140,000 - 224,000; Full time

Job summary

Bread Financial is seeking a senior leader to develop strategies for credit card offerings, grow portfolios, and nurture brand partner relationships. You will align acquisitions with P&L goals and coordinate with cross-functional teams to optimize portfolio health.

You will leverage analytics to guide strategy, manage value propositions, and ensure resources drive growth while removing internal roadblocks to achieve goals.

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

Responsibilities

• Nurture relationship to drive business growth and retention. May present to c-suite. Advocates for our brand partners while meeting business objectives.
• Sets objectives, negotiates outcomes, and collaborates with matrix teams across Credit Management, Field, Portfolio Analytics, Marketing to achieve objectives.
• Initiates or partners with peers to resolve complex problems, navigating ambiguity and high-stress situations with strategic goals.
• Identify strategic needs of portfolio and request plan from MCOE for Acquisition; ensure plan aligns with P&L and long-term goals.
• Assess suite of capabilities and identify those that drive portfolio objectives; builds a case for brand partner benefits.
• Leads complex analytics development to predict future performance and guides strategic decisions using cross-department data.

Skills

Expense Management

Long Term Planning

Marketing

Financial Acumen

Account Management

Project Management

Portfolio Management Strategies

Education

Bachelor’s Degree in Business Administration, Marketing or related field

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

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

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%)
• Assess 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

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.

• 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 [e-mail].

Job Family

Client Services

Job Type

Regular