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Job Summary

The Engineer, 3 is responsible to work as part of a cross-functional team in an Agile environment and translate business challenges into effective software solutions. Key responsibilities include designing, developing, testing, configuring, and deploying high-quality software, developing test strategies, and creating cloud environments to support the development process. Oversees full stack development initiatives throughout the SDLC, advancing frontend, backend, and UI/UX components. The role ensures that all software delivery is secure, reliable, and highly automated to support seamless and efficient financial technology systems.

Essential Job Functions

• Leverage the software development lifecycle to build and enhance scalable, secure financial technology solutions. Translate business requirements into detailed technical designs and application code. Develop design specifications, including user interface layouts, and convert them into functional, high-quality components. Provide technical on-call support and respond to incident inquiries. - (15%)

• Create and execute unit tests to proactively identify and resolve issues. Conduct code reviews to identify and remediate defects, ensuring adherence to coding standards. Estimate and size work efforts based on high-level requirements and continuously improve applications for quality, efficiency, and user experience. - (15%)

• Lead the design and development of software solutions, aligning with business goals. Oversee the full software lifecycle, ensuring quality and timeliness. Provide technical leadership, promote best practices, and mentor the team. - (15%)

• Enhance system performance through refactoring and modern frameworks. Lead code reviews and enforce testing practices. Resolve high-impact defects and bottlenecks to ensure reliability and robustness. - (15%)

• Drive UI/UX improvements for intuitive interfaces. Collaborate with teams to enhance user experience. Gather and analyze feedback to refine usability and align with business objectives. - (15%)

• Cultivate relationships across engineering, product, and business teams to enhance collaboration and efficiency. Provide coaching and constructive feedback to peers, both formally and informally. Foster a high-performing, inclusive environment by influencing and motivating the team to achieve business goals. Incorporate feedback to drive personal and team development. - (15%)

• Demonstrate proficiency in at least two programming languages, ideally three, and contribute to the development or maintenance of multiple applications. Operate autonomously, providing technical supervision and mentorship to peers while showcasing strong business knowledge in financial technology and payments domains. - (10%)

Minimum Qualifications

• Bachelor’s Degree in Computer Science or related field of study or equivalent, relevant work experience

• 8+ years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).

Preferred Qualifications

• 12+ years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering).

Skills

• JavaScript

• Microsoft Azure Functions

• Microsoft Azure SQL

• Java

• Full Stack Development

• DevOps

• AWS Development

• React.js

• Agile Methodology

• Angular

• Flutter Software Development Kit (SDK)

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid. On-call rotation to include evenings or weekends.

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:

Information Technology

Job Type:

Regular