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Job Summary

As part of the Enterprise Data Science and Analytics organization, you will have the opportunity to create and implement enterprise-wide data models to improve operational effectiveness and efficiency. The Sr. Consultant position will be responsible for leading all of the Planning, Development, and Support functions for creating conceptual, logical and physical data models for the Enterprise Reporting team and other data and analytical assets. The Sr. Consultant will create and implement data models that improve operational effectiveness and efficiency for Bread Financial. The Sr. Consultant is expected to be a well-rounded expert, thoughtful, innovative, and technologically savvy with a keen interest in business transformation. This role will be relied upon to be a thought leader, to educate operational teams and train team members on emerging techniques for data modeling that will increase efficiencies in the reporting and analytical space.

Essential Job Functions

The Sr. Consultant will be an expert and lead the data model product build/deployment/servicing for all new enterprise reporting and analytic needs. The Sr. Consultant will support multiple centers of excellence including process automation, new tool adoption, interaction analysis, data governance and enterprise reporting. Essential job functions include successful design and execution of Planning, Development, and Support functions. The Sr. Consultant will be an expert of the toolsets used, including but not limited to SQL, DB2, Governed DataMarts, Reporting layer databases, data cubes, ETL process, etc. The Sr. Consultant will have an expert understanding of business requirements & will own the entire data model design lifecycle (Conceptual to logical to physical). The Sr. Consultant role leads the identification of data gaps and inefficiencies, while keeping the team members up to date on industry trends. This role is accountable for leading high performing planning, development, and support functions.

Planning: The Sr. Consultant will establish and execute the framework for engaging enterprise partners to understand opportunities and level of effort in order to plan new data models. Sr. Consultant will present and gain support from the various governance teams and IT teams to plan the work. The Sr. Consultant role will lead the vision for the reporting/analytics data models, manage and prioritize needs and perform market research to ensure continuous improvement and deployment of market-leading, innovative solutions. The Sr. Consultant will work proactively & independently to address project requirements, and articulate issues/challenges with enough lead time to address project delivery risks. Interface with Data governance teams to leverage central data repositories. Analyze data-related system integration challenges and propose appropriate solutions. Perform reverse engineering of physical data models from databases and SQL scripts. Evaluate data models and physical databases for variances and discrepancies. This role is accountable for throughput performance of moving work through the Planning process with a focus on duration, effort, and optimized prioritization.

Develop and maintain: The Sr. Consultant will design, build & maintain the Data Warehouse, Operational Data Stores & other data assets. Work with the Design and Build team to implement data strategies, build data flows and develop conceptual, logical and physical data models that ensure high data quality and reduced redundancy. Guide System Analysts, Developers, Data Stewards and others on project limitations and capabilities, performance requirements and interfaces. The Sr. Consultant will have an expert ability to capture and communicate complex mappings, transformations, calculations, look ups, joins and business rules. The Sr. Consultant will have an expert understanding of ETL processing and tuning data structures for performance.

Documentation/Reporting: Maintain the existing data warehouses and Design subject area wise data marts / cubes to facilitate aggregation, slicing and dicing of data by reporting tools such as Micro Strategy. Optimize & Maintain conceptual, logical and physical data models along with corresponding metadata to support new and existing projects.

Quality Assurance: Develop best practices for standard naming conventions and coding practices to ensure consistency of data models. Validate business data objects for accuracy and completeness. Review modifications to existing software & hardware to improve efficiency and performance.

Reports to: Director or Sr Director

Direct Reports: None

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

Minimum Qualifications:

• Bachelor’s degree or equivalent experience in Technology, Business Management, Finance, Accounting, Marketing, Analytics or equivalent work experience

• Ten or more years of relevant work experience required

Preferred Experience:

• Master’s Degree or equivalent experience in Technology, Business Management, Finance, Accounting, Marketing, Analytics or equivalent work experience

• Fifteen or more years of work experience preferred in Technology, Business Management, Finance, Accounting, Marketing, Analytics or equivalent work experience

• Leading off shore and on shore

• Experience with automation

• Experience understanding processes

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):

$133,500.00 - $241,900.00

Full Salary Range for position:

California: $153,500.00 - $302,400.00

Colorado: $133,500.00 - $254,000.00

New York: $146,800.00 - $302,400.00

Washington: $140,100.00 - $278,200.00

Maryland: $140,100.00 - $266,100.00

Washington DC: $153,500.00 - $278,200.00

Illinois: $133,500.00 - $266,100.00

New Jersey: $153,500.00 - $278,200.00

Vermont: $133,500.00 - $241,900.00

Ohio: $133,500.00 - $241,900.00

Maine: $133,500.00 - $241,900.00

Connecticut: $146,800.00 - $266,100.00

Virginia: $133,500.00 - $241,900.00

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 breadfinancial.com 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 TaOps@breadfinancial.com.

Job Family:

Data and Analytics

Job Type:

Regular