Job Description

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Be challenged. Be heard. Be valued. Be you ... be here.

Job Summary

The Senior Technical Product Owner will collaborate with product managers or the enablement team to define a clear tactical vision for product development or implementation. This role will focus on end-user experience and maintain clarity for the team to ensure successful delivery or client implementation of new and existing digital capabilities. Additionally, this role will align to a delivery team and drive the feature backlog. Lastly, this role will drive BAU support post enablement, including analysis on reported production issues, including influencing correction; optimize processes in addressing changes to in-market requirement changes.

Essential Job Functions

• Influence the technical roadmap by identifying new features and adding to the backlog. Stay updated with industry developments, analyze market data, and use insights for technical decisions. Assist in the break down Initiatives into Epics and support Feature creation sessions. Identify and lead optimization opportunities, increasing initiative throughput. - (30%)
• Prioritize and maintain product backlog. Lead multiple agile teams while managing relationships with key stakeholders and leadership. Present product updates, gather feedback, and ensure alignment with the overall business strategy. - (30%)
• Manage activities for requirements documentation, risk identification, and mitigation. Identify and implement process improvements to enhance product development, enablement, and/or BAU support efficiency. Streamline workflows, adopting new tools and methodologies, and fostering a culture of continuous improvement, implementation timelines, and standards. - (20%)
• Build partnerships within the Scrum team, ensure stable and operational capabilities, and manage cross-functional team dependencies. Build partnerships across enablement and cross-functional teams, maintaining adherence to implementation timelines and standards. Continually look to optimize processes and customer experience. - (10%)
• Train and mentor Product Owners, including offering advice, sharing best practices and helping them develop their skillsand knowledge. Participate in recruitment and associate engagement efforts. - (10%)

Minimum Qualifications

• Bachelor’s Degree in information technology, business analysis or related field of study or equivalent, relevant work experience
• 5-8 years of experience as a scrum master, project manager, business/systems/QA analyst, or software engineer.
• 5-8 years of experience in a technology field, with agile and scrum principles.

Preferred Qualifications

• Master’s Degree in information technology, business analysis or related field of study.
• Related field certifications
• 7+ years of experience in product management, business analysis, information technology, financial services, payment, online and mobile platforms, or digital and tech platforms.

Skills

• Agile Delivery
• Backlog Management
• Stakeholder Management
• Agile Product Management
• Product Management
• Financial Management
• JIRA Tool
• Planview AgilePlace

Requirements (Mandatory)

• Strong technical background with experience delivering complex platforms or enterprise systems
• Experience building or launching products using Large Language Models (LLMs) and Generative AI
• Systems-thinking mindset with a focus on scalable platform solutions
• Experience translating business requirements into technical product roadmaps and delivery plans
• Strong cross-functional collaboration with Engineering, Architecture, and Business teams
• Self-starter with the ability to thrive in ambiguous, fast-changing environments

Requirements (Good to have)

• Experience with AI agents, orchestration frameworks, or AI development platforms
• Knowledge of Responsible AI, AI Governance, and AI Risk Management
• Experience with RAG (Retrieval-Augmented Generation) and agentic AI architectures
• Financial services or other highly regulated industry experience
• Familiarity with cloud platforms, APIs, and enterprise integrations

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

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® (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:

Information Technology

Job Type:

Regular