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Job Summary
The Senior Analyst supports General Manager teams by providing data driven actionable insights that guide portfolio management strategies. The person in the said position requires a mastery of both internal and external customer credit card, shopping and interaction data. Provides guidance on acquisition and card member marketing opportunities utilizing partner, card transaction and third party data sources. Identifies transaction and customer's trends at early stages and shares clear business guidance on opportunities and risks. The role requires hands on manipulation of large data sets and the ability to frame and answer questions utilizing an analytical mindset. Thorough understanding of credit card P&L's and ability to utilize them as insight tools is essential. Collaboration and strong communication with both internal and external business partners is a critical component of this role, as is the ability to story tell with data.
Essential Job Functions
- Influence through data: Design, create, evaluate, optimize, and deliver quantitative and qualitative offerings in relation to the portfolio trends, customer behavior. Provide data driven actionable insights to support effective portfolio management strategies using robust analytical techniques. (Including, but not limited to, customer demographic, geographic, financial and lifestyle profiles; transactional, shopping and interaction activities; behavior hypothesis testing, data mining and customized reporting/analysis.)
- Effective Insight Generation: Extract data from a variety of customized sources, with a number of tools. Apply knowledge and experience of a quantitative background to effectively navigate and pull logical meaning around the data. Formulate problem around business need (Design), structure the output (Create), Understand what it means and implies (Evaluate), turn the data into insights (Optimize) and provide the results/recommendations (Deliver) directly to internal partners (GM teams, Marketing, Operations) and 3rd Parties (Brand Partners, Vendors) to directly impact business decisions. Additionally, sound problem formulation and a proactive approach to addressing analysis is required.
- Relationship Management: Act as primary Portfolio Analytics contact/resource for the General Manager teams and Brand Partners supported by the team. Regularly relied upon by the organization, and our brand partners, to consult and provide expert advice leading to decisions and/or recommendations in relation to potential product and marketing offerings, value propositions, customer facing capabilities, and potential partnerships. Effectively researches and resolves ad-hoc requests in relation to current and potential understanding of the end customer.
- Analytics Integration: With the primary analytics member on the general manager team, takes lead on facilitating work that requires expertise of the other analytics COEs (Data science, campaign optimization & loyalty, reporting, etc.) Works as a translator and liaison between business and analytics professionals to ensure effective application of analytics to drive right actions. Collaborates closely with credit management and finance partners to create a holistic point of view using data.
Reports to: Manager or above
Working Conditions/ Physical Requirements Normal office environment, some travel may be required.
Direct Reports: None
Minimum Qualifications
- Bachelor's degree in statistics, mathematics, computer science, information systems, economics, finance, marketing, business, or related field of study.
- 5+ years of experience working in marketing or risk analytics of a credit card analytics or financial services company analyzing card portfolio performance, driving marketing and business decisions through data extracts, queries, actionable insights, and customer segmentation.
- Experience with Data Mining Tools (SQL, SAS), and Business Analysis.
Preferred Qualifications
- Master's degree in statistics, mathematics, computer science, information systems, economics, finance, marketing, business, or related field of study.
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 fulfilledboth 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 FinancialTM is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express Credit Card and Bread SavingsTM products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices.
- All job offers are contingent upon successful completion of credit and background checks.
- Bread Financial is an Equal Opportunity Employer.
Job Family
Data and Analytics
Job Type
Regular
