Model Validation Analyst Senior

Essential Job Functions

• Process and Project Management: Conducts model validations independently with minimal supervision. Acts as a mentor and coaches team members, if needed. Maintains a basic functional knowledge of model risk concepts and works with the business units to communicate key guiding principles. Performs end-to-end validations/testing of basic or less complex models/tools. Internal and client facing with oversight, guidance and review from management.

• Validation/testing: involves identifying the key risks associated with a model, planning a risk-based validation approach and scope. Designs and conducts validation tests, recognizing gaps in model risk management and governance, and drafting a model validation report.

• Quality Assurance: Checks the model s accuracy and demonstrates the model is robust and stable. Assesses potential limitations and evaluates the model s behavior over a range of input values. Assesses the impact of assumptions and identifying situations where the model performs poorly or becomes unreliable. Evaluates formal results of analysis performed and draft formal model validation documentation and proposed risk rating assessment.

• Business Communications and Relationships: Demonstrates professional and proficient verbal and written communication skills when working with internal and external partners. Builds relationships by establishing trust, confidence and credibility with senior leaders, executives, and internal partners. Is proactive, demonstrates a strong work ethic, and shows initiative to build the business in a result driven environment. Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, is strategic and flexible when needed, and gains consensus on the best solution.

Reports to: Lead or above

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

Direct Reports: None

Minimum Qualifications: Bachelors degree in Engineering, Statistics, Mathematics, Economics or any other related quantitative discipline

Five or more years experience in data analytics or model development/validation is required

Preferred Qualifications: Masters degree in Engineering, Statistics, Mathematics, Economics or any other related quantitative discipline.

Six or more years experience in the financial services industry as well as experience in risk management

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 providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread Cashback American Express Credit Card , Bread Rewards American Express Credit Card and Bread Savings products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit breadfinancial.com or follow us on Facebook , LinkedIn , X and Instagram .