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Job Summary

Bread is a cutting edge technology company that transforms the way the world shops online. We build tools, technologies and APIs that allow e-commerce merchants to integrate installment loan financing and other alternative payment products throughout the customers’ shopping journey. Bread was founded in 2014 by financial technology veterans, and has experienced explosive growth to date. Recently acquired by Alliance Data Systems, Bread provides candidates the highly unique experience of being part of a rapidly growing fintech with the DNA and culture of a startup, while also having the considerable resources of a highly scaled, leading financial institution. This powerful combination will enable Bread to accelerate its growth to become an even greater force in the marketplace as well as provide candidates a completely unique experience.

The Pricing Analyst will play a critical role within the Finance function at Bread, working cross functionally to price and support transformative, strategic merchant and partnership deals across the business.

Job Description

Your role at Bread

• Support new merchant pricing and company-wide profitability initiatives

• Working closely with cross-functional teams to drive new growth and margins initiatives

• Explore and identify areas to drive product monetization; understanding the trade-off between price, volume, and risk

• Partner closely with Product organization to assist in the development strategies for consumer growth and engagement

• Support cross-functional efforts to structure and price new strategic partnership ventures

• Support the development of novel merchant pricing strategies and features for different verticals, products, and platforms

• Assist development and execution of pricing roadmap for the optimization of risk-weighted returns

What we are looking for:

• Bachelor’s degree with 2-3 years of experience working in financial services, with working knowledge of consumer lending and credit.  Credit pricing and strategy a plus

• Advanced proficiency in financial modeling (investment banking background or similar a plus) 

• Robust analytical skills with the ability to synthesize complex models and data sets into insightful, coherent recommendations

• Desire to work in a fast paced, start-up environment with the ability to manage uncertainty, short deadlines, and play a broad role

• Strong communication, interpersonal, and presentation skills

• Objective, fact based approach yet comfortable with ambiguity

• Humility with an eagerness to learn

• Experience with Looker and SQL a plus

Education:

Certifications:

Work Experience

Skills

About Alliance Data Card Services

Alliance Data Card Services provides market-leading private label, co-brand, general purpose and commercial credit card programs, digital payments and Comenity-branded financial services. Using the industry’s most comprehensive and predictive data set, advanced analytics, and broad-reaching capabilities, Alliance Data Card Services has been helping partners increase sales and provide greater value to their customers for more than 30 years. Follow Alliance Data Card Services on Twitter, Facebook, LinkedIn and Instagram.   

About Bread®

A division of Alliance Data, Bread is a leading digital payments company that works with merchants and partners to personalize payment options for their customers. Through its full-funnel recommendation engine, Bread empowers merchants to sell more, improve conversion and lift average-order-value. Follow Bread on Twitter, Facebook and LinkedIn.

Alliance Data Card Services and Bread are a proud part of the Alliance Data enterprise, a FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio with more than 8,000 associates worldwide.

• Alliance Data offers a competitive salary, a comprehensive selection of benefit options including 401(k).

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

• Alliance Data is an Equal Opportunity Employer.

• Alliance Data will provide accommodations to applicants needing accommodations to complete the application process.

• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for Alliance Data.

• Alliance Data participates in E-Verify.

• Alliance Data will consider for employment qualified applicants with criminal and credit histories in a manner consistent with the requirements of all applicable laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

• Alliance Data complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws.  Applicants with disabilities may contact Alliance Data to request an 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 [email protected].