Lead, Product Manager - Card, Existing Business Selling & Support

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About the role

The Lead Product Manager will enhance features and products that optimize the consumer experience. This role is responsible for the strategy, planning, delivery, performance, and continuous improvement of new and existing products and capabilities. It requires a proven leader with the energy and skills to envision the right customer experience, drive execution, and scale features to seize business opportunities and support rapid growth.

Responsibilities

• Own the product and plan the product roadmap.
• Create and define the long-term vision and strategy for products and features for a diverse set of customers, ensuring alignment with business objectives.
• Work with designers, engineers, and business stakeholders to define, prioritize, and deliver high-impact product features using agile methodology (30%).
• Lead feedback gathering, metric definition, and analysis to validate assumptions, inform roadmap priority, and monitor product success (25%).
• Manage multiple initiatives and projects simultaneously while maintaining the product roadmap and backlog (20%).
• Understand key financial measures and synthesize financial metrics around product concepts (15%).
• Perform other duties as assigned; this job description is not intended to be an exhaustive list of all essential functions.

Requirements

• High School Diploma or GED.
• 8+ years of experience in product management, business analysis, information technology, or related areas.

Preferred Qualifications

• Bachelor’s Degree in Business, Marketing, Management, Finance, or Information Technology.
• 10+ years of experience in product management, business analysis, information technology, or related areas.
• Demonstrated expertise in credit card and Buy Now Pay Later (BNPL) capabilities, including digital acquisition, prequalification, instant credit, servicing, fraud, rewards, and partner-facing integrations through APIs and SDKs.
• Proven ability to communicate complex product capabilities to clients, brands, and business stakeholders, influence decisions, and drive buy-in and adoption.

Skills

• Financial Acumen
• Customer Analytics
• Product Delivery
• Strategy Execution
• Product Management
• Marketing
• Product Performance
• Program Strategy
• Agile Product Development
• Product Roadmapping

Work Environment

• Normal office environment.
• Remote or hybrid; 3 to 4 days per month required in-office if within 60 miles of a posted Bread Financial location.
• Ability to travel up to 5% annually.

Physical and Mental Requirements

• Communicate effectively through hearing and talking.
• Perform stationary tasks while seated.
• Type and write as required.
• Maintain focus in high-pressure or fast-paced environments.

Pay

The salary range for this position is $120,500.00 – $218,300.00. Actual base pay may depend on factors such as work location, education, experience, and skills. Specific ranges for certain states are as follows:

• California: $138,600.00 – $272,900.00
• Colorado: $120,500.00 – $229,200.00
• New York: $132,500.00 – $272,900.00
• Washington: $126,500.00 – $251,100.00
• Maryland: $126,500.00 – $240,200.00
• Washington DC: $138,600.00 – $251,100.00
• Illinois: $120,500.00 – $240,200.00
• New Jersey: $138,600.00 – $251,100.00
• Vermont: $120,500.00 – $218,300.00
• Ohio: $120,500.00 – $218,300.00
• Maine: $120,500.00 – $218,300.00
• Connecticut: $132,500.00 – $240,200.00
• Virginia: $120,500.00 – $218,300.00

You must be work authorized in the United States on a full-time basis without needing sponsorship now or in the future.

Benefits

• Medical, prescription drug, dental, and vision benefits for eligible associates (regular full-time associates working 30+ hours per week) and their spouses/domestic partners and children under 26.
• Six weeks of 100% paid parental leave for eligible parents after a 180-day waiting period.
• Immediate enrollment in Bread Financial’s 401(k) plan.
• 11 paid holidays.
• Flexible Time Off (FTO) program; associates in Illinois must use Illinois Paid Leave before FTO.
• 80 hours of Paid Sick and Safe Time (PSST) upon hire and at the start of each calendar year (40 hours for Illinois associates).
• 40 hours of Illinois Paid Leave for Illinois associates upon hire and at the start of each calendar year.
• Opportunity to purchase company stock during offering periods in June and December.
• Annual incentive bonus based on individual and company performance.

About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of an award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets, promoting an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports overall wellness 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 providing simple, personalized payment, lending, and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home, and specialty apparel through co-brand and private label credit cards and pay-over-time products. We also offer general-purpose credit cards and saving products that empower customers. Bread Financial proudly marks 30 years of success in 2026.