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 Senior Associate Software Engineer is responsible for implementing software based on technical designs, writing clean, efficient code, and executing comprehensive unit tests. Building on foundational experience, this role involves deeper participation in team activities and collaborative Agile practices, fostering further growth in software engineering skills, contributes to project outcomes and identifies any major problems that may arise from system enhancements. This role requires contribution to full stack development throughout the SDLC, focusing on enhancing frontend, backend, and UI/UX components and collaboration with teams to ensure seamless integration and optimal performance. Essential Job Functions Contribute to the development and enhancement of financial tech solutions by implementing software based on tech designs. Write clean, maintainable code with minimal supervision and begin to independently translate business requirements into functional components. Provide technical and on call-support. Respond to incident inquiries. Resolve medium-complexity issues and adhere to project timelines. - (15%) Conduct unit tests to verify functionality and identify issues. Actively participate in peer code reviews to ensure compliance with standards and continue learning best practices. Support continuous improvements for application quality, testing and efficiency by contributing insights and suggestions during team retrospectives. - (15%) Take a more prominent role in leading full stack development projects, collaborating with cross-functional teams to design, develop, and implement software solutions. Leverage your growing expertise to ensure seamless integration and optimal performance throughout the software development lifecycle (SDLC). - (15%) Build on your experience to create even more responsive user interfaces and robust backend systems. Utilize modern frameworks and technologies to develop scalable applications, consistently adhering to best practices in coding, testing, and deployment. Take charge of complex troubleshooting and lead efforts to resolve software defects efficiently. - (15%) Play a key role in enhancing user interfaces by applying advanced UI/UX design principles. Collaborate closely with designers and developers to ensure intuitive and visually appealing user experiences. Actively gather and analyze user feedback, contributing to the continuous improvement of the software's usability and overall user satisfaction. - (15%) Collaborate as part of a cross-functional Agile team, fostering communication and teamwork to achieve project goals. Engage with team members to deepen understanding of processes and tools while actively seeking feedback from peers and mentors to enhance technical and business knowledge. - (15%) Gain proficiency in at least one programming language. Contribute to the development or maintenance of foundational components for financial applications, and actively enhance technical knowledge through training and hands-on learning. - (10%) Minimum Qualifications Bachelor’s Degree in Computer Science or related field of study or equivalent, relevant work experience. 1 cloud certification- AWS cloud practitioner, Microsoft Azure Fundamentals or Google Cloud- Cloud Digital Leader 3-5 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering). Preferred Qualifications 5-8 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering). Working experience with Golang Development, Microservices, PostgreSQL, and AWS cloud. Skills Agile Methodology DevOps Golang Microsoft Azure Functions Microsoft Azure SQL Amazon Web Services (AWS) React.js Angular Flutter Reports To: Manager 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 posted Bread Financial location. Travel Ability to travel up to 20% annually 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 Typing/Writing 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): $100,800.00 - $161,300.00 Full Salary Range for position: California: $115,900.00 - $201,600.00 Colorado: $100,800.00 - $177,400.00 New York: $110,900.00 - $201,600.00 Washington: $110,900.00 - $185,500.00 Maryland: $110,900.00 - $177,400.00 Washington DC: $115,900.00 - $185,500.00 Illinois: $100,800.00 - $177,400.00 New Jersey: $115,900.00 - $185,500.00 Vermont: $100,800.00 - $161,300.00 Ohio: $100,800.00 - $161,300.00 Maine: $100,800.00 - $161,300.00 Connecticut: $110,900.00 - $177,400.00 Virginia: $100,800.00 - $161,300.00 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. 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 [email protected]. Job Family: Technology 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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