Product Owner

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Job Summary*
The Product Owner is a vital member of the agile team, collaborating with Product Managers to define a clear tactical vision for product development, enablement and/or BAU support. They focus on optimizing the end-user experience and maintaining clarity for the development and enablement teams. The product owner is aligned to a scrum team and drives the feature backlog. May provide BAU support post enablement, including analysis on reported production issues.

Essential Job Functions

• Prioritize and maintain product backlog. Regularly refine and update backlog items based on feedback and change requirements. Lead grooming sessions and define timelines in partnership with engineering. May partner with client(s) and enablement team to implement product(s), adhering to defined standards. - (30%)
• Partner with product manager to gather and document product requirements. This involves conducting interviews, surveys, and workshops to understand user needs and translating them into actionable items. - (25%)
• Lead sprint planning sessions, set objectives, and ensure the team has resources to meet priorities. Analyze business impact and drive enhancements. Provide SME guidance during implementation while adhering to standards. Offer ongoing support for products, including root cause analysis and managing program requirements. - (20%)
• Write detailed user stories and acceptance criteria for the development or enablement team. This includes breaking down high-level requirements into smaller, actionable tasks that can be easily understood and implemented by the team. - (15%)
• Establish collaborative relationships within the Scrum team to ensure consistent operational capabilities and effectively manage dependencies among cross-functional teams. Foster partnerships across enablement and other cross-functional teams, ensuring adherence to implementation timelines and standards. Continuously seek opportunities to optimize processes and enhance customer experience. - (10%)

Minimum Qualifications

• High School Diploma or GED
• 2+ years experience in product management, information technology, or related field such as business analysis

Preferred Qualifications

• Bachelor's Degree in Information Technology, Business or related field of study or equivalent, relevant work experience
• 4+ years experience in Product Management, Business Analysis, Information Technology, financial services, payment, online and mobile platforms, or digital and tech platforms

Skills

• Agile Methodology
• Information Technology (IT)
• Business Analysis
• Product Management

Reports To
: Manager 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.

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)
$87, $159,200.00

Full Salary Range For Position
California: $101, $198,900.00

Colorado: $87, $167,100.00

New York: $96, $198,900.00

Washington: $92, $183,000.00

Maryland: $92, $175,100.00

Washington DC: $101, $183,000.00

Illinois: $87, $175,100.00

New Jersey: $101, $183,000.00

Vermont: $87, $159,200.00

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 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.

To learn more about Bread Financial, our global associates and our sustainability commitments, visit 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

Job Family
Marketing

Job Type
Regular