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Job Summary

The Data Science team delivers best in class actionable business insights through cutting-edge predictive models and data science techniques. The Senior Data Scientist is responsible for generating data-driven insight using advanced analytics and machine learning techniques to support enterprise data science needs within Bread Financial, and researching state-of-art advanced analytics techniques to continuously improve the Data Science teams competence within the analytics industry.

Essential Job Functions

• Advanced Analytics – Should independently extract data, checks integrity, handles missing values/outliers, and performs preprocessing. Conducts EDA to guide modeling. Applies clustering/factor analysis, engineers features, and builds models (GLMs, tree-based, neural nets). Validates models, fixes issues, sizes impact, presents results, and supports implementation. - (40%)

• Collaboration & Communication – Effectively translates analytical insights into actionable recommendations for both managerial review and cross-functional stakeholders. Demonstrate strong communication with internal partners. Build knowledge of credit card ops, banking, finance, loyalty, retail, and regulations. Collaborate with data scientists to share best practices and innovations. - (30%)

• Data Science Innovation – With guidance, research trends in tools, algorithms, platforms, and data to enhance modeling. Test use cases for new methods and provide feedback. Conduct research to improve predictive modeling techniques and outcomes. - (20%)

• Model Risk Management - Build knowledge of model risks and regulations. Apply first line of defense controls to reduce risk. Prepare governance documentation and archive data, scripts, and results. Collaborate with risk partners on validation/audits. Complete remediation per governance requirements. - (10%)

Minimum Qualifications

• Bachelor’s Degree in statistics, mathematics, engineering, data science, economics, computer science, or another quantitative field of study.

Preferred Qualifications

• Master’s Degree in statistics, mathematics, engineering, data science, economics, or computer science.Experience in developing statistical models/machine learning models and conducting data mining to solve business problems.

• 5-8 years of experience in the software field.

• Experience in extracting and processing large files/data sets.

• Experience interpreting model results and translating insights into business recommendations.

Skills

• Data Analytics

• Data Mining

• Data Science

• AI-driven Analytics

• Python (Programming Language)

• Spark SQL

• Cloud Applications

• Structured Query Language (SQL)

Reports To: Manager 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:

Data and Analytics

Job Type:

Regular