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Job Summary

The Associate Enterprise Business Analyst will review, analyze, and evaluate the needs of business partners and translate those needs into business requirements through elicitation and documentation. The resulting business requirements documentation is used as a basis for functional requirements and vendor RFP/RFIs. Solutions often include a systems development component, but may also consist of process improvement or organizational change.

Essential Job Functions

• Requirements Elicitation - Discover the business requirements through communication withbusiness partners and technology stakeholders. Facilitate elicitation sessions and conduct individualinterviews to ensure comprehensive capture of business requirements. Document and maintaindetailed business requirements - (50%)

• Communication and Relationship Management - Work with SMEs to ensure requirements arethorough and complete. Interact diplomatically with all levels of the organization, external partnersand clients to both elicit requirements and provide requirement status. Foster and coordinatecommunication/reporting across projects. - (30%)

• Process Improvement – Participate in process improvement projects and re-engineering efforts bydocumenting and analyzing business processes and working with business teams to identify gaps. - (20%)

Minimum Qualifications

• Bachelor’s Degree in computer science, engineering, or related field of study, or equivalent, relevant work experience

• 0-1 years of experience as a Business Analyst or Systems Analyst or experience within Information Services or Technology.

• 0-1 years of experience in creating process flows, process maps (level 3 and Level 4) and Documentation.

• 0-1 years of experience in retail financial services or the information technology fields having Waterfall and Agile methodology background.

Skills

• Agile Methodology

• Cost-Benefit Analysis (CBA)

• Business Rules Analysis

• Continual Improvement Process

• Microsoft Copilot

Reports To: Supervisor and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

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.

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 or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

Job Family:

Enterprise Project Mgmt Office

Job Type:

Regular