Enterprise Risk Analyst 1

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 Enterprise Risk Analyst is part of our Credit, Treasury, Capital, Reputational, and Strategic Risk functions who act as our independent second line of defense (SLOD) risk pillars, which oversee and monitor exposures. These functions include escalating issues and recommending policies, procedures, standards, and practices, to manage the related risks of the organization. This role will complete internal reviews and analyses as it pertains to first line actions, including acquisition, account management, loss reporting, review and performance of metric calculations, and other requests as needed. The Enterprise Risk Analyst will provide ad-hoc reporting and analysis as necessary and will provide support across multiple risk pillars. Essential Job Functions Analyze program related data, and review reporting and calculations to ensure accuracy and integrity of their processes and data sources. Collaborate with risk reporting and analytics team to gather, analyze and present data, both individual or in aggregate. Complete ad-hoc analysis requests in support of various SLOD programs, such as risk assessments and management reviews. - (20%) Prepare analysis and other deliverables to ensure proper SLOD doc is demonstrated. Identify mitigated and unmitigated business risks, which can result in financial, operational, regulatory, or reputational risks to the business. Gain an understanding of external events and emerging risks so that the first line of defense (FLOD) can manage them accordingly. - (20%) Review and challenge risk assessments, control ratings in the business, and process improvement activities. Support a proactive risk and control culture. Conduct risk assessments, prepare work papers and executive summaries. Assist with building out reporting dashboards and process maps seen by leaders and regulators. - (15%) Analyze and evaluate new account application underwriting standards performance for portfolios of clients. Analyze performance of past accounts and provide a credible challenge regarding Underwriting and Credit Limit assignment parameters. Participate in score cut reviews completed by the FLOD. - (15%) Create, test & analyze efficacy of new credit limit strategies to measure quality of decisions made by the Credit Management team. Analyze reporting of key credit risk metrics necessary to understand changes in portfolio risk mix and trends in customer behavior. Develop, monitor, and analyze all credit management changes in near term to determine if expected impacts meet expectations. - (15%) Re-perform, challenge, and document metric calculations that are a part of the metric review and certification process. Identify and recommend metric improvements, including but not limited to their respective targets and weightings. Perform deep dive assessments of Treasury & Capital models and provide results to leadership. - (15%) Minimum Qualifications Bachelor's Degree in Finance, Business, Statistics, or Accounting. 0-1 years of professional work experience. Preferred Qualifications Master's Degree in Finance, Business, Statistics, or Accounting. Experience working in Banking, Consumer Lending, or the Financial Technology (FinTech) field. Skills SAS SQL Python (Programming Language) Risk Analysis Management Reports To: Manager and above Direct Reports: 0 Work Environment Normal office environment, hybrid. Travel Ability to travel up to 5% annually 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 Typing/Writing Focus and complete tasks in situations that have a speed or productivity metric 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. 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®â€¯(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 Opportunity Employer. Job Family: Enterprise Risk Job Type: Regular About Bread Financial As a tech-forward financial services company, we strive to create value for both our customers and our associates. At Bread Financial, you are empowered to thrive. Our company is bold, tenacious and innovative, challenges you to be your best, respects your voice, recognizes your contributions, cares for your total well-being, and has a collaborative, kind and inclusive culture that fosters growth and success. Bread Financial is headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its approximately 7,000 global associates. 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.