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Compliance and process - Ensures strict adherence to regulations is a fundamental responsibility. Partners closely with risk and compliance teams to support audits. Maintain current knowledge of regulatory requirements and company policies to ensure all back-office activities comply with procedural and operational standards. - (30%)
Conducts root cause analysis to identify operational errors or SLA breaches, with corrective and preventive actions implemented promptly. Additionally, the SME oversees service level agreements to uphold compliance and operational integrity. - (10%)
Performance - Consistently meets key performance metrics such as turnaround time (TAT), accuracy, error rates, Net Promoter Score (NPS) and First Time Right (FTR) rates. Effectively manages multiple priorities and complex projects while driving change through critical initiatives that improve processes and operational outcomes. - (30%)
Utilizing strong analytical skills, the SME interprets operational data to make informed decisions and recommendations. They also develop training programs and mentor junior staff to build operational acumen and enhance overall team performance. - (10%)
Business Relationships - Effective communication and collaboration with internal and external stakeholders are central to this role. The SME works closely with teams across Risk, Compliance, IT, Finance and Customer Service to ensure alignment and resolve operational challenges. - (10%)
Demonstrates ownership by driving time-bound outcomes and applying critical thinking to analyze business problems and recommend solutions. Through stakeholder engagement, the SME builds consensus on best practices and operational improvements, supporting a customer-centric approach and fostering a culture of continuous improvement. - (10%)
Minimum Qualifications
Bachelor’s Degree in Business, Arts, Commerce, Humanities or equivalent
4-5 years of Work Experience
Experience in Back Office and/or Process Outsourcing
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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.
Public U.S. financial services company providing payment, lending, and saving solutions to millions of consumers.
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Senior · 4+ years experience
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