Product Manager

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 Product Manager is responsible for the strategy, planning, delivery, performance and continuous improvement of products developed by the team. The Product Manager delivers value by solving customer/client needs with business solutions that make sense. Where applicable, this role supports Product Owners and development teams and ensure that there is clarity around the product vision and roadmap. As part of a highly matrixed/cross-functional team in order to achieve results/outcomes, this leader operates simultaneously and effectively in both tactical and strategic mode while successfully managing multiple, complex initiatives under tight deadlines. Essential Job Functions • Strategy and Roadmap: Owns the product and planning the product roadmap. Creates and defines the long-term vision and strategy for the product. Observes trends in the marketplace, identifies new potential outcomes or themes to be supported by the product. Outlines the go to market plan supporting the sales/adoption of the product, ensures the product meets the needs of the value stream(s) the product is involved. Conducts the necessary analysis to support the business case for the program strategy/execution /need. Uses data and facts to support decision making for senior leaders. Identifies capability gaps and drives products that unlock tangible business value. Participates in analysis of current and future trends, technology, competition, and client & customer needs to support strategy and product development. Identify key customer needs, usage and attitudes as basis for refining programs and messaging. Ensure the Bank’s programs are differentiated and well positioned against national competitors. Thinks strategically and understand the bigger picture, with a mindset that balances business priorities and customer priorities/expectations. Develops and articulates well thought out business cases and their financial / bottom line impacts. Drives business outcomes and value through customer centered solutions • Product Definition and Delivery: Provides leadership and direction in the development of enhancements to improve efficiency, quality, and timeliness of operations. Develops detailed business requirements used to create product specifications and architecture. Ensures continued compliance with Information Security Policies, Standard Operating Procedures (SOP) and documented controls. Supports the product delivery team & method. Drives delivery of customer experience and meeting business priorities and demands. Works with cross-functional partners including CX and UX and Development to create compelling experiences that drive value in a safe, secure & sustainable manner. • Product Performance and Continuous Improvement: Defines metrics to measure the success of the features and products put into the market. Ensures the value proposition is realized across customer touch points. Ongoing analysis and reporting of product performance, KPIs, market trends, as well as planning and forecasting. Identify, own and manage to key business drivers with support from Finance. Continuously seek ways to improve the product features and deliver excellent customer experience through system and process enhancements. Manage audit resolutions and process improvements requiring technology support and drive operational excellence (regulatory compliance, operational risk management, etc.) • Leadership: Creative, innovative thinking with the demonstrated ability to develop a range of alternative solutions using strategic thinking and analytical skills. Demonstrates strong problem solving skills and the ability to thoroughly investigate and make recommendations in a timely manner. Effective and articulately communicate vision to stakeholders. Effective communicator and presenter with ability to adjust message and filter details appropriately for the audience. • Analytics: Utilizes financial skills to understanding key revenue and expense drivers. Grasps and synthesize financial metrics around the product concepts as it relates to pricing, risk, sales trends and competitive information. Refine product management strategies through detailed analysis of key business drivers, ongoing competitive research, global market scan and review of marketing tactics. Product management and development, including analyzing customer behavior, analyzing competitors’ offerings and the industry landscape to enhance our product offering and customer experience. Uses data to continuously inform and improve the product to meet customer and business needs. Distinctions- Innovation team: • This role should coordinate with business strategy, UX, CX and development teams to create a future product vision and connect it to the roadmap. Work entails market research, proof of concepts, business cases, scoping and delivering pilots with brands, and execution as part of a matrixed/cross-functional team in order to achieve results/outcomes. The ideal candidate will likely have experience bringing new products to market, have experience with a startup or fintech. Solves Problems Creatively – Ability to conceive a plan of action and to facilitate multidisciplinary teams to answer a strategic question. • Develop & maintain a robust innovation pipeline to ensure continuous flow of new ideas to keep up with the pace of the market. Reports to: Senior Product Manager or Director Working Conditions/ Physical Requirements: • Normal office environment. • This position is hybrid with an onsite schedule of 3-4 days per month. In-office requirements are subject to change based on business needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH or New York, NY. Direct Reports: none Minimum Qualifications: • Bachelor’s Degree in Marketing, Information Technology, Product Management, Business • Five or more years in Product Management, Business Analysis, Information Technology, etc.; financial management experience; understanding of Agile development methodologies; end-to-end product delivery; Foundation of product management/marketing management, at various levels; and lean startup methodology - design experiments by building MVPs to find product-market fit ​Preferred Qualifications: • Experience launching fintech product to market in capacity of product manager 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. Typical Starting Range: $97,900.00 - $177,400.00 Full Salary Range for position: California: $112,600.00 - $221,800.00 Colorado: $97,900.00 - $186,300.00 New York: $107,700.00 - $221,800.00 Washington: $102,800.00 - $204,000.00 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. 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 FinancialTM 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 suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products. Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. • 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 TaOps@breadfinancial.com. Job Family: Marketing Job Type: Regular