Essential Job Functions 

• Process and Project Management: Conducts model validations independently with supervision. Maintains a basic functional knowledge of model risk concepts and works with the business units to communicate key guiding principles. Performs end-to-end validations/testing of basic or less complex models/tools. Internal and client facing with oversight, guidance and review from management. Validation/testing involves identifying the key risks associated with a model, planning a risk-based validation approach and scope. Designs and conducts validation tests, recognizing gaps in model risk management and governance, and drafting a model validation report.

• Quality Assurance: Checks the model’s accuracy and demonstrates the model is robust and stable. Assesses potential limitations and evaluates the model’s behavior over a range of input values. Assesses the impact of assumptions and identifying situations where the model performs poorly or becomes unreliable. Evaluates formal results of analysis performed and drafts formal model validation documentation and proposed risk rating assessment. 

• Business Communications and Relationships: Demonstrates professional and proficient verbal and written communication skills when working with internal and external partners. Builds relationships by establishing trust, confidence and credibility with senior leaders, executives, and internal partners. Is proactive, demonstrates a strong work ethic, and shows initiative to build the business in a result driven environment. Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, is strategic and flexible when needed, and gains consensus on the best solution.

Reports to: Lead or above 

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

Direct Reports: None

Minimum Qualifications: 

• Bachelor’s degree in engineering, Statistics, Mathematics, Economics or any other related quantitative discipline

• Two or more  years' experience in data analytics or model development/validation is required 

Preferred Qualifications:

• Master's degree in engineering, Statistics, Mathematics, Economics or any other related quantitative discipline

• Three or more years' experience in the financial services industry as well as experience in risk management.

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.