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Job Summary

The Product Manager leads a team of product managers and/or product owners responsible for overseeing the development and management of products throughout their lifecycle. This role will work closely with cross-functional teams, including engineering, marketing, sales, and customer support, to ensure that products meet market needs and align with the company's strategic goals. This role requires a proven leader with the energy and skills to envision the right customer experience, drive execution, and scale features to seize business opportunities and support rapid growth. The Product Manager will drive the AI product strategy for assigned domains, identify high-value opportunities for copilots, automation, decision intelligence, and agentic experiences while ensuring responsible AI, governance, security, and compliance requirements are met.

Essential Job Functions

• Own the product and plans the product roadmap. Creates and defines the long-term vision and strategy for the products and features for a diverse set of customers. This involves strategic planning and execution to ensure alignment with business objectives. - (20%)
• Engage with key partners/merchants to deliver best-in-class lending solutions and own relationships with external partners and development vendors. Establish project-specific release cycles and communicate upcoming releases and their importance level to stakeholders. - (20%)
• Collaborate with other Product and Engineering teams and key stakeholders to gather requirements and feature requests for future releases. Collaborate to enhance our current product controls and ensure appropriate risk safeguards are in place. Own product backlogs, focused on delivery of initiatives. - (20%)
• Manage multiple initiatives and projects simultaneously, while maintaining the product roadmap and backlog. - (15%)
• Lead a team of product managers and product owners while fostering a culture of progress, transparency, and efficiency. - (15%)
• Stay up-to-date on the evolution of products, competitors, and the financial services industry. - (10%)

Minimum Qualifications

• High School Diploma or GED
• 8-10 years experience in product management, or related field such as business analysis
• 3+ years leading project(s), mentoring and/or coaching experience, demonstrated subject matter expert in department

Preferred Qualifications

• Bachelor’s Degree in Product Management, Business Analysis, or Information Technology or related field of study or equivalent, relevant work experience
• 10-13 years experience in Product Management, Business Analysis, Information Technology, financial services, payment, or online and mobile platforms.
• Experience in leading and mentoring teams.
• Hands-on experience with prompt engineering, agent fleets and orchestration frameworks, or AI development platforms
• Experience developing, launching, or scaling AI-powered products leveraging LLMs, agentic workflows, retrieval-augmented generation (RAG), or machine learning technologies
• Experience building AI-powered, data, platform, developer, SaaS, fintech, or digital products

Skills

• Agile Product Development
• Business Analysis
• Information Technology (IT)
• Mobile Platforms
• Product Management
• User Experience (UX)
• Product Integration
• Product Delivery
• Large Language Models (LLMs)
• Responsible AI & AI Governance
• Generative AI Product Management

Reports To: Senior Manager and above

Direct Reports: 2 - 5

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 10% 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
• 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):

$125,400.00 - $200,600.00

Full Salary Range for position:

California: $144,200.00 - $250,800.00
Colorado: $125,400.00 - $220,700.00
New York: $137,900.00 - $250,800.00
Washington: $137,900.00 - $230,700.00
Maryland: $137,900.00 - $220,700.00
Washington DC: $144,200.00 - $230,700.00
Illinois: $125,400.00 - $220,700.00
New Jersey: $144,200.00 - $230,700.00
Vermont: $125,400.00 - $200,600.00
Ohio: $125,400.00 - $200,600.00
Maine: $125,400.00 - $200,600.00
Connecticut: $137,900.00 - $220,700.00
Virginia: $125,400.00 - $200,600.00

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 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:

Marketing

Job Type:

Regular