Principal Account Manager – Product, New Accounts

Bread Financial

Principal account manager developing credit-card product, acquisition, and growth strategies for Bread Financial’s consumer payment portfolios. Leading cross-functional teams and brand-partner alignment to optimize portfolio performance and P&L outcomes.

Posted 8/7/2026full-timeColumbus • New York, Ohio, Pennsylvania, Texas, Utah • 🇺🇸 United StatesLead💰 $139,800 - $223,700 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and executing acquisition and product strategies for consumer credit card portfolios, with a strong focus on cross-functional collaboration and stakeholder influence. Proven ability to analyze data and align strategies with business goals to drive growth and retention.

Highest-signal resume keywords

Credit Card Portfolio ManagementCross-Functional LeadershipAcquisition Strategy DevelopmentFinancial AcumenStakeholder Influence

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Account ManagementSalesProduct ManagementProject ManagementMarketingExpense ManagementLong-Term PlanningPortfolio Management StrategiesData AnalysisForecasting

Soft Skills

CollaborationNegotiationProblem SolvingCommunicationInfluencing

Certifications & Qualifications

Bachelor’s Degree in Business AdministrationMaster’s Degree in Business Administration or Marketing (Preferred)

Industry Keywords

Financial ServicesConsumer CreditBrand Partner RelationshipsP&L ManagementMatrix Environment

About the role

Key responsibilities & impact

Develop strategies for product offerings, capabilities, features, and new account acquisition to drive growth of assigned credit card portfolios
Support and nurture brand partner relationships to drive growth, retention, and portfolio gains
Collaborate with and indirectly lead cross-functional matrix teams to deliver acquisition and product strategies
Use data from matrix partners to make portfolio decisions and align strategies with business goals
Resolve multifaceted acquisition- and product-related issues and remove internal roadblocks
Set objectives, negotiate outcomes, and collaborate with Credit Management, Field, Portfolio Analytics, Marketing, digital, capabilities, technology, operations, and fraud teams
Initiate or partner on resolutions to complex problems affecting multiple teams or the organization
Identify portfolio acquisition needs and request annual/quarterly plans from MCOE
Align acquisition plans with P&L and long-term plans; present plans and gain client approval
Share strategy briefs and deadlines, review campaign results and recommendations with brand partners
Assess and prioritize capabilities and new capability turn-on based on business value
Build recommendation cases for brand partners and ensure appropriate product mix
Lead complex analytics and integrate data from multiple sources to predict performance and guide strategy
Drive Value Proposition strategy, consult MCOE, coordinate ECM and matrix partners, and gain brand alignment
Lead acquisition and new-account forecasts and ensure alignment with strategic goals and P&L impact
Present to C-suite and travel periodically to brand partner offices and events

Requirements

What you’ll need

Bachelor’s Degree in Business Administration, Marketing, or equivalent relevant work experience
10–13 years of experience in Account Management, Sales, Finance, Product Management, Project Management, Marketing, or credit card portfolio management
Master’s Degree in Business Administration or Marketing preferred
Demonstrated success leading complex cross-functional initiatives in a highly matrixed environment
Ability to influence stakeholders without direct authority
Experience developing or executing acquisition, product, and growth strategies for consumer credit card portfolios within a financial services organization
Skills in expense management, long-term planning, marketing, financial acumen, account management, project management, and portfolio management strategies
Must be authorized to work full-time in the United States without current or future sponsorship
F-1 student visa holders cannot be employed
Ability to travel up to 10% quarterly
Ability to work outside standard business hours when required
Ability to perform essential job functions and meet physical, mental, and work-environment requirements

Benefits

Comp & perks

Medical, prescription drug, dental, vision, and other voluntary benefits
Basic and optional life insurance
Supplemental medical plans
Short- and long-term disability
Six weeks of 100% paid parental leave after a 180-day waiting period
401(k) plan with immediate enrollment
11 paid holidays
Flexible Time Off (FTO) program
Paid Sick and Safe Time (PSST)
Illinois Paid Leave for Illinois associates
Ability to purchase company stock during offering periods
Annual incentive bonus based on individual and company performance
Career development opportunities
Wellness support and diverse benefits suite
Reasonable accommodations for applicants with disabilities