Job Description
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 Apprenticeship program at Bread Financial provides the opportunity for aspiring and motivated professionals to gain specialized skill under the guidance of experienced colleagues. In a job shadowing based environment, members of the Apprenticeship program consistently exhibit a willingness to learn, excel in time management, and grow, develop and prepare skills needed for future utilization at Bread Financial.
Job Description
Essential Job Functions:
This Apprentice Role is responsible for generating data-driven insights into all modeling needs of the Banks and the practical results of models. The focus is to help the Banks understand their risk profiles risk management processes needed to support those risk profiles. Besides capital modeling, the Model Development Analyst, 1 will assist the team in other areas, including the stress testing required by Dodd Frank (DFAST), liquidity stress testing, etc. They will also be responsible for other models such as CECL, Pricing, Capital, Treasury, etc. They will also be responsible for analyzing the effects of policy and strategy changes on outcomes. Some of this analysis will entail the building of models, some will require other analytical skills.
Communication: Demonstrate outstanding Verbal and Written communication skills when working with internal and external partners. Present information in a clear, concise, and professional manner utilizing technology and innovation. Build and maintain effective internal and external business partners. Identify, resolve and escalate concerns (associates, system, partner) as needed.
Documentation and Technology: Learn to update and document account information and records, identify, resolve and escalate concerns in a timely manner, and respond to/redirect calls/issues as appropriate. Understands how to utilize knowledge of Microsoft Office tools such as Word, Excel, PowerPoint and Teams to execute daily work. Successfully utilize the technology expected by the organization as it relates to the role (e.g. SAS, SQL, Archer, etc.)
Compliance: Learns now to follow established guidelines for quality and productivity. Regardless of responsibility, act responsibly at all times to minimize risk and ensure compliance. Provide documentation to ensure compliance responsibilities are met. Participate in internal and external audits by request to support the first, second, and third lines of defense within the organization.
Collaboration: Observe importance of managing communication with supervisors, and coordinators from various departments and fostering collaborative relationships with Operations Leadership through verbal and written communication. Observe team member ability to influence peers and Operational partners on proposed business strategies in order to meet company objectives. Be well organized, flexible and willing to assist wherever possible.
Reporting – Learn how to utilize reporting and other data to analyze performance and strategy effectiveness, solve problems and make decisions. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work.
Business Acumen – Actively seek out opportunities to expand knowledge of the broader business. By completing overviews of teams outside the area of rotation, project interactions, or other cross functional collaboration, continuously expand knowledge of the organization, offerings, and innovations.
Reports to: Lead and Above
Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.
Direct Reports: 0
Minimum Qualifications:
Degree Required: HS Diploma or equivalent
Years of Work Experience Required: 6+ months with organization
Type / focus of work experience required: TBD
Education Requirements:
High School Diploma (Required)
Certifications:
Work Experience
Some Experience (internship, classroom or on the job)
Skills
About Bread Financial
At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its 7,500+ global associates and is committed to sustainable business practices.
All job offers are contingent upon successful completion of credit and background checks.
Bread Financial is an Equal Opportunity Employer.
Job Family:
General
Job Type:
Regular
Be challenged. Be heard. Be valued. Be you ... be here.
Job Summary
The Apprenticeship program at Bread Financial provides the opportunity for aspiring and motivated professionals to gain specialized skill under the guidance of experienced colleagues. In a job shadowing based environment, members of the Apprenticeship program consistently exhibit a willingness to learn, excel in time management, and grow, develop and prepare skills needed for future utilization at Bread Financial.
Job Description
Essential Job Functions:
This Apprentice Role is responsible for generating data-driven insights into all modeling needs of the Banks and the practical results of models. The focus is to help the Banks understand their risk profiles risk management processes needed to support those risk profiles. Besides capital modeling, the Model Development Analyst, 1 will assist the team in other areas, including the stress testing required by Dodd Frank (DFAST), liquidity stress testing, etc. They will also be responsible for other models such as CECL, Pricing, Capital, Treasury, etc. They will also be responsible for analyzing the effects of policy and strategy changes on outcomes. Some of this analysis will entail the building of models, some will require other analytical skills.
Communication: Demonstrate outstanding Verbal and Written communication skills when working with internal and external partners. Present information in a clear, concise, and professional manner utilizing technology and innovation. Build and maintain effective internal and external business partners. Identify, resolve and escalate concerns (associates, system, partner) as needed.
Documentation and Technology: Learn to update and document account information and records, identify, resolve and escalate concerns in a timely manner, and respond to/redirect calls/issues as appropriate. Understands how to utilize knowledge of Microsoft Office tools such as Word, Excel, PowerPoint and Teams to execute daily work. Successfully utilize the technology expected by the organization as it relates to the role (e.g. SAS, SQL, Archer, etc.)
Compliance: Learns now to follow established guidelines for quality and productivity. Regardless of responsibility, act responsibly at all times to minimize risk and ensure compliance. Provide documentation to ensure compliance responsibilities are met. Participate in internal and external audits by request to support the first, second, and third lines of defense within the organization.
Collaboration: Observe importance of managing communication with supervisors, and coordinators from various departments and fostering collaborative relationships with Operations Leadership through verbal and written communication. Observe team member ability to influence peers and Operational partners on proposed business strategies in order to meet company objectives. Be well organized, flexible and willing to assist wherever possible.
Reporting – Learn how to utilize reporting and other data to analyze performance and strategy effectiveness, solve problems and make decisions. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work.
Business Acumen – Actively seek out opportunities to expand knowledge of the broader business. By completing overviews of teams outside the area of rotation, project interactions, or other cross functional collaboration, continuously expand knowledge of the organization, offerings, and innovations.
Reports to: Lead and Above
Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.
Direct Reports: 0
Minimum Qualifications:
Degree Required: HS Diploma or equivalent
Years of Work Experience Required: 6+ months with organization
Type / focus of work experience required: TBD
Education Requirements:
High School Diploma (Required)
Certifications:
Work Experience
Some Experience (internship, classroom or on the job)
Skills
About Bread Financial
At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its 7,500+ global associates and is committed to sustainable business practices.
All job offers are contingent upon successful completion of credit and background checks.
Bread Financial is an Equal Opportunity Employer.
Job Family:
General
Job Type:
Regular
💡 Quick Summary
Seeking a career-building opportunity? The India Apprentice| Finance position is now open for candidates interested in the Bank Jobs sector. This role in Bengaluru offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.