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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. An Apprentice will exist in the following areas of the business (*this list is subject to change based on needs of the business and organization).

- Enterprise Risk- BSA/AML, Complaints, Testing
- Human Resources- People Center, Talent Acquisition, Learning and Development
- Credit Risk- Business Performance Management
- Information Technology- Service Delivery, InfoSec IAM, ePMO, Network & Systems, Application Development
- Client Partnerships & Marketing- Account Management, Partnership Marketing, Marketing Delivery, Marketing Performance

The Customer Experience (CX) Acquire & Grow team is responsible for driving profitable customer and product strategies across all channels, helping to drive a seamless experience in Acquiring, launching and retaining. This includes current and future state customer journey mapping, E2E experience articulation, journey insights to understand how customers are engaging with us and opportunities to improve. In addition, the team influences across the organization through business case support, product growth strategies, and input into all customer facing experiences across all channels and brands. This helps inform the solutions and capabilities we bring to market. Performing these functions and understanding how the marketplace is evolving will ensure Bread Financial delivers a best-in-class customer experience. The Customer Experience Analyst, 1 role will focus on monitoring customer touch points and tracking customer friction points in Jira. This role will be responsible for tracking user behavior across all channels including digital engagement to identify customer friction and optimize end-to-end customer experiences. Utilizing data and tools to identify drivers of dissatisfaction and pain points e.g., SNAP, Medallia, Decibel, Adobe Analytics, MicroStrategy, VCARS, and NICE/Nexidia (call listening tools) to glean insights will help the CX Manager in crafting seamless end to end journeys across people, process, policy, and technology.

Essential Job Functions:





- 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: Bachelor's Degree
- Years of Work Experience Required: 12+ months with organization

Preferred Qualifications:

- Experience with Excel. E.g. pivot tables, filtering, formulas, VLOOKUP
- Experience with internal tools E.g. VCARS, SNAP, Medallia, Decibel, Adobe
- Experience with PowerPoint
- Experience with issue resolution within a team setting

Other Duties This 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.

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.

- All job offers are contingent upon successful completion of credit and background checks.
- Bread Financial is an Equal Chance Employer.

Job Family:

General

Job Type:

Regular

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