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 Senior Software Engineer is responsible for developing and enhancing financial technology solutions by translating requirements into functional software. Engineers in this role actively participate in coding, testing, and code reviews while improving applications and processes for scalability and efficiency. This role involves, working independently to identify issues or defects that may arise from system enhancements that would reduce the quality of a product. This role requires implementing full stack development efforts across the SDLC, improving frontend, backend, and UI/UX components. This position also involves mentoring Associate Software Engineers and Software Engineers and collaborating across teams to deliver high-quality solutions. Essential Job Functions Utilize the SDLC to implement technology solutions that create and enhance applications. Translate requirements into technical designs and application code. Develop design specs, including UI layouts, and convert them into functioning components. Provide technical on-call escalation and guidance as needed to the on-call developer(s). Respond to incident inquiries as needed. - (15%) Create and execute unit tests to ensure issues are proactively identified. Analyze and review code to identify causes of errors and defects and remediate known errors. Define and enforce relevant code standards. Estimate and size work based on high-level requirements. Continuously improve applications and processes for quality, efficiency, and user experience. - (15%) Design and lead the development of complex software solutions, ensuring alignment with business goals. Oversee the software development lifecycle, ensuring quality and timeliness, conduct code reviews to maintain software integrity. - (15%) Optimize system performance and scalability through modern frameworks. Lead code reviews and testing practices. Resolve system defects and bottlenecks to ensure reliability and scalability. - (15%) Strategize UI/UX enhancements to improve user experience. Collaborate with design and development teams to create intuitive interfaces. Gather and analyze user feedback to drive usability improvements. - (15%) Cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency. Provide peer coaching and feedback formally and informally. Strive to influence the team to generate support to achieve desired business outcomes. Request and utilize feedback to foster personal development. - (15%) Proficient in at least two and ideally three programming languages and develop or maintain at least three applications. Work autonomously, providing technical supervision to peers while demonstrating appreciable business knowledge within the general financial services and marketing domains. Ability to drive projects within the team initiatives such as Github, Copilot or AWS Migration. - (10%) Minimum Qualifications Bachelor’s Degree in Computer Science or related field of study or equivalent, relevant work experience 1 cloud certification- AWS cloud practitioner, Microsoft Azure Fundamentals or Google Cloud- Cloud Digital Leader 5-8 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering). Preferred Qualifications 8-10 years of work experience in related field (Software Development Life Cycle across Full Stack, Frontend and Backend Development and UI / UX engineering). Must demonstrate strong hands-on Full-Stack Hands-on development skills with Java, Spring/Springboot & REST + SOAP webservices; Experience in AI-assisted coding tools (GitHub Copilot, Kiro, etc.), DevOps/CI-CD Practices/Tools (Harness/GitHub/BitBucket/Jenkins); Strong analytical, debugging skills, ability to work autonomously, provide technical guidance, learn & adapt-to new technologies quickly; Strong experience with Azure or AWS cloud platforms, including commonly used cloud services & cloud-native development; Working knowledge of Docker, Kubernetes, Angular/React frameworks, modern automation/data-access tools/technologies; Strong understanding & practical application of design principles, automated testing, agile methodologies, and continuous improvement practices; Skills DevOps JavaScript Microsoft Azure Functions Full Stack Development Amazon Web Services (AWS) React.js Angular Flutter Reports To: Manager and above Direct Reports: 0 Work Environment 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): $125,400.00 - $200,600.00 Full Salary Range for position: California: $144,200.00 - $250,800.00 Colorado: $125,400.00 - $220,700.00 New York: $137,900.00 - $250,800.00 Washington: $137,900.00 - $230,700.00 Maryland: $137,900.00 - $220,700.00 Washington DC: $144,200.00 - $230,700.00 Illinois: $125,400.00 - $220,700.00 New Jersey: $144,200.00 - $230,700.00 Vermont: $125,400.00 - $200,600.00 Ohio: $125,400.00 - $200,600.00 Maine: $125,400.00 - $200,600.00 Connecticut: $137,900.00 - $220,700.00 Virginia: $125,400.00 - $200,600.00 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 [email protected]. Job Family: Technology 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.

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