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 Client Partnerships is the primary liaison between the organization and the client and is responsible for creating and executing credit card portfolio strategies, in alignment with internal and external leadership. Manager, Portfolio & ECM is responsible for helping to drive the strategy in partnership with senior leadership for portfolio growth and existing customer marketing, managing to key metrics for core customer, attrition, retention, activation, and loyalty. This role is responsible for partnering on and executing the strategy for all existing customer lifecycle marketing and customer journey for a client partner(s). This role ensures the needs of both the client and organization are met within each initiative executed. Leads and partners with cross-functional partners in a matrixed leadership environment both within Client Partnerships as well as internal teams, including Data Science & Analytics, Credit Management, Finance, and Operations. This role is responsible for marketing fund management, marketing calendar management, balance build, and overall portfolio health. Job Description Essential Job Functions: Strategy: Works with senior leadership team on strategy as it relates to portfolio management, P&L, and all existing customer marketing. Accountable for portfolio-driving initiatives including rewards, benefit timing, loyalty. Ongoing integration into brand plan and multi-tender loyalty. Supports and executes strategy for enhancement marketing and balance build strategies for the assigned client(s). Financial Responsibility: Responsible for understanding of P&L in order to recommend adjustments to portfolio initiatives and marketing initiatives to maintain the health of the portfolio, all while managing to key metrics for core customer, attrition, roll rates, retention, reactivation, etc. Will manage marketing funds for assigned client(s) and marketing calendar. Reporting and Analysis: Utilizes reporting tools to monitor key metrics, identify opportunities, and drive plans for solutions. Relationship Management: Maintains a productive relationship with brand partners to ensure strategies are collaborative and expectations for budget and focus areas are shared. Works in close synthesis with GM team, Finance, Compliance, Risk Management, Marketing, etc, as it relates to assigned portfolio(s). Must be able to balance needs of both client and Bread Financial when advising and to drive solutions and strategies. Reports to: General Manager or Director Working Conditions/ Physical Requirements: Normal office environment, some travel may be required. Some travel may be required. This position is hybrid with an onsite schedule of 3-4 days per month. In-office requirements are subject to change based on business needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH; Chadds Ford, PA; Plano, TX; Draper, UT; Wilmington, DE; New York, NY or Coeur d'Alene, ID. Direct Reports: 0 - 2 formal direct reports. Highly matrixed leadership environment Minimum Qualifications: Bachelor’s degree or equivalent relevant experience 5 years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management Preferred Experience: Bachelor’s degree or higher, focus in Business Administration, Marketing 8 years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management, Management experience in a multi-level organization 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. Typical Starting Range: $87,900.00 - $159,200.00 Full Salary Range for position: California: $101,000.00 - $198,900.00 Colorado: $87,900.00 - $167,100.00 New York: $96,600.00 - $198,900.00 Washington: $92,200.00 - $183,000.00 The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills. Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial’s 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. Click here for more Benefits information. 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 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. 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 TaOps@breadfinancial.com. Job Family: Client Services 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.