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 The Lead Account Manager, Portfolio & ECM serves as the primary liaison between the organization and the client, driving strategy in partnership with senior leadership for portfolio growth and existing customer marketing. This role is pivotal in developing and nurturing client relationships and ensures the needs of both the client and organization are met. They influence and partner with matrix teams on strategies that achieve portfolio objectives and make recommendations on key portfolio opportunities. This role also manages key metrics for core customer, attrition, retention, activation, and loyalty, ensuring the successful execution of all existing customer lifecycle marketing and customer journey strategies. Essential Job Functions Maintains a productive relationship with brand program owners. Demonstrates strong knowledge of brand partner business and industry. Communication liason between the brand/internal partners. Leads brand partner meetings and presents strategic/executional content. Supports content development and presentment for brand partner business reviews. Identifies roadblocks and seeks to find solutions. - (20%) Influences and partners with cross-functional teams in a matrixed leadership environment including Portfolio Analytics, Credit Management, Finance, Marketing, and Operations to achieve portfolio objectives. - (20%) Executes the strategy for all existing cardholder marketing. Manages campaign timelines & deliverables with brand/internal partners. Recognizes & manages campaign risks. Delivers campaign results/insights to brand partners; connects results to campaign strategy. Reviews/approves marketing collateral; ensures that best practices are met. Facilitates brand partner training on tools/process. - (20%) Applies understanding of P&L to recommend adjustments to portfolio and marketing initiatives to maintain program health. Monitors key metrics for core customer, spend, retention, reactivation, etc. Synthesizes trends and opportunities, works with matrix team to provide solutions. Manages contractual funds which includes processing invoices related to portfolio and marketing initiatives. - (15%) Partners with leader to develop annual portfolio KPIs to guide marketing strategy.Sets strategy for existing customer marketing and funding allocation.Ensures strategy meets needs of Bread Financial and brand partner.Presents marketing strategy to brand partner for approval, in partnership with marketing as applicable. Monitors campaign performance and alters strategy based on results. - (15%) Ensures ongoing integration into brand partner plan and multi-tender loyalty program. Partners internally to support value proposition development. Executes changes to card program benefits across all marketing channels. Utilizes reporting tools for monitoring key metrics and identifying opportunities. - (10%) Minimum Qualifications Bachelor’s Degree or equivalent, relevant work experience 8-10 years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, credit card portfolio management. Preferred Qualifications 8+ years of experience in portfolio management, customer marketing, account management, or related fields. Experience developing strategic marketing plans and executing customer marketing campaigns. Experience using marketing data, customer insights, and campaign performance metrics to drive business recommendations. Experience working cross-functionally in a highly matrixed environment. Skills Budget Managent Portfolio Strategies Portfolio Management Project Management Account Management Financial Acumen Marketing Reports To: Director and above 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 Bread Financial location. Periodic travel to Bread to brand partner offices and events. May require work outside of standard business hours. Travel Ability to travel up to 10% quarterly Physical and Mental Requirements 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 Maintain focus in high pressure or fast-paced work environment Other Duties 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): $112,400.00 - $179,900.00 Full Salary Range for position: California: $129,300.00 - $224,900.00 Colorado: $112,400.00 - $197,900.00 New York: $123,600.00 - $224,900.00 Washington: $123,600.00 - $206,900.00 Maryland: $123,600.00 - $197,900.00 Washington DC: $129,300.00 - $206,900.00 Illinois: $112,400.00 - $197,900.00 New Jersey: $129,300.00 - $206,900.00 Vermont: $112,400.00 - $179,900.00 Ohio: $112,400.00 - $179,900.00 Maine: $112,400.00 - $179,900.00 Connecticut: $123,600.00 - $197,900.00 Virginia: $112,400.00 - $179,900.00 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. You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders. 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 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. 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.

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