Account Lead - Client Business Management

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Job Summary

The Account Lead is responsible for establishing and nurturing working relationships with internal partners to meet client expectations, participating in client calls and delivering business initiatives. This role involves executing bank-initiated changes that impact brand partners or cardholders while maintaining internal and external project trackers. Duties include handling the submission and reconciliation of program invoices, with a basic understanding of contracts and bank operating procedures. Ensuring the timely delivery of contract-related reporting, such as SLA reporting, and supporting clients'' adherence to bank procedures are key responsibilities. Additionally, the role involves managing the inventory process with a focus on effective expense management for non-campaign-related components. The Account Lead also assists external partners with Salesforce maintenance, ensuring a basic understanding of client servicing procedures.

Essential Job Functions

• Develops working relationships with internal partners to support client expectations, with participation in client calls and delivery of business initiatives. - (30%)
• Executes bank-initiated changes affecting brand partners or cardholders and maintains internal and external project trackers. - (25%)
• Manages submission and reconciliation of program invoices, with a basic understanding of contract and bank operating procedures. Ensures timely delivery of contract-related reporting, such as SLA reporting, and supports the ongoing acknowledgment of bank procedures by clients. - (15%)
• Supports the inventory management process, focusing on effective expense management and non-campaign-related components. Responsible for assisting with salesforce maintenance and ensuring basic knowledge of client servicing procedures. - (15%)
• Responsible for delivering all portfolio reporting packages, ensuring accurate and timely data delivery. Involves updating and maintaining the brand partner's PartnerPortal access and possessing a foundational understanding of the reporting tools and metrics. - (15%)

Minimum Qualifications

• Associate's Degree in Business Administration, Marketing or related field of study or equivalent, relevant work experience
• 2+ years experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, or credit card portfolio management.

Preferred Qualifications

• Bachelor's Degree or equivalent, relevant work experience
• 2+ years' experience in a similar role within a corporate setting, with a proven track record of driving complex cross-functional initiatives.
• Experience partnering with product, technology, or capabilities teams to support system enhancements, process improvements, and business initiatives.
• Experience serving as a primary liaison between business partners and cross-functional teams, building trusted relationships, and driving alignment on business initiatives.

Skills

• Account Management
• Relationship Management
• Portfolio Operations

Reports To: Director and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a Bread Financial location. Periodic travel to brand partner offices and events. May require work outside of standard business hours.

Travel

• Ability to travel up to 5% quarterly

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):

$69,900.00 - $126,600.00

Full Salary Range for position:

California: $80,400.00 - $158,300.00

Colorado: $69,900.00 - $133,000.00

New York: $76,900.00 - $158,300.00

Washington: $73,400.00 - $145,600.00

Maryland: $73,400.00 - $139,300.00

Washington DC: $80,400.00 - $145,600.00

Illinois: $69,900.00 - $139,300.00

New Jersey: $80,400.00 - $145,600.00

Vermont: $69,900.00 - $126,600.00

Ohio: $69,900.00 - $126,600.00

Maine: $69,900.00 - $126,600.00

Connecticut: $76,900.00 - $139,300.00

Virginia: $69,900.00 - $126,600.00

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 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:

Client Services

Job Type:

Regular