What are the responsibilities and job description for the Senior Data Scientist position at Bread Financial?
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Job Summary
The Data Science role at Bread Financial provides top-tier business insights through advanced predictive models and data science techniques. The Senior Data Scientist is pivotal in generating insights and supporting the enterprise's data science needs, as well as enhancing the team's industry competence through research in Artificial Intelligence (AI).
The Data Science team, through this role, supports Marketing by developing predictive and prescriptive models that optimize campaign performance, enable targeted and personalized marketing, and provide actionable insights for acquisition, engagement, and retention strategies. They leverage advanced analytics, AI/ML tools, and secure data-sharing environments to enhance decision-making and drive measurable business outcomes.
Essential Job Functions
Direct Reports: 0
Work Environment
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.
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)
$108,300.00 - $196,300.00
Full Salary Range For Position
California: $124,600.00 - $245,400.00
Colorado: $108,300.00 - $206,100.00
New York: $119,200.00 - $245,400.00
Washington: $113,700.00 - $225,700.00
Maryland: $113,700.00 - $215,900.00
Washington DC: $124,600.00 - $225,700.00
Illinois: $108,300.00 - $215,900.00
New Jersey: $124,600.00 - $225,700.00
Vermont: $108,300.00 - $196,300.00
Ohio: $108,300.00 - $196,300.00
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 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
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.
Data and Analytics
Job Type
Regular
Be challenged. Be heard. Be valued. Be you ... be here.
Job Summary
The Data Science role at Bread Financial provides top-tier business insights through advanced predictive models and data science techniques. The Senior Data Scientist is pivotal in generating insights and supporting the enterprise's data science needs, as well as enhancing the team's industry competence through research in Artificial Intelligence (AI).
The Data Science team, through this role, supports Marketing by developing predictive and prescriptive models that optimize campaign performance, enable targeted and personalized marketing, and provide actionable insights for acquisition, engagement, and retention strategies. They leverage advanced analytics, AI/ML tools, and secure data-sharing environments to enhance decision-making and drive measurable business outcomes.
Essential Job Functions
- Lead the design, build, deployment, and periodic maintenance of AI solutions. - (30%)
- Build strong relationships with internal business partners to drive the delivery of enterprise solutions. - (20%)
- Establish and execute the framework for engaging enterprise partners to plan new AI solutions. - (20%)
- Assist with documentation, compliance, model governance, and maintenance of AI solutions. - (15%)
- Research advanced modeling and AI techniques to improve predictive modeling and maintain business acumen in relevant industries. - (15%)
- Bachelor’s Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, Economics, or other quantitative fields.
- 5 years experience in building sophisticated models using machine learning, segmentation, time series, and other advanced analytics methodologies.
- Master’s Degree in Statistics, Mathematics, Engineering, Data Science, Computer Science, Economics, or other quantitative fields.
- 7 years experience in model building with machine learning, segmentation, time series, and other advanced analytics methodologies in relevant industries.
- Data Manipulation
- Machine Learning
- Market Segmentation
- Python (Programming Language)
- R Statistics
- Statistical Analysis
- Statistics
- Time Series Analysis
- Cloud Environment
- Agentic AI
- GenAI
- Presentation to Small and Large Groups
- Financial Analysis
- Choice-Based Conjoint Design and survey techniques
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 posted Bread Financial location.
- Ability to travel up to 5% quarterly
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
- Focus and complete tasks in situations that have a speed or productivity metric
- Maintain focus in high pressure or fast-paced work environment
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)
$108,300.00 - $196,300.00
Full Salary Range For Position
California: $124,600.00 - $245,400.00
Colorado: $108,300.00 - $206,100.00
New York: $119,200.00 - $245,400.00
Washington: $113,700.00 - $225,700.00
Maryland: $113,700.00 - $215,900.00
Washington DC: $124,600.00 - $225,700.00
Illinois: $108,300.00 - $215,900.00
New Jersey: $124,600.00 - $225,700.00
Vermont: $108,300.00 - $196,300.00
Ohio: $108,300.00 - $196,300.00
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 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.
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 TaOps@breadfinancial.com.
Data and Analytics
Job Type
Regular
Salary : $108,300 - $245,400