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Job Summary

This role requires a blend of software engineering and marketing automation expertise, with a focus on designing and delivering personalized omnichannel customer journeys. 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 software development lifecycle 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). - (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+ years years related work experience
• Adobe Journey Optimizer (AJO) journey design and orchestration
• Event-driven customer journeys and real-time personalization
• REST API integrations and custom action development
• JSON payload design and third-party system integrations
• Offer Decisioning, eligibility rules, and personalization strategies
• Adobe Experience Platform Expression Language for dynamic content and messaging
• Email, SMS, Push Notification, and cross-channel campaign execution Adobe Certified Expert – Adobe Journey Optimizer Developer

Skills

• Agile Methodology
• DevOps
• Java (Programming Language)
• JavaScript
• Microsoft Azure Functions
• Microsoft Azure SQL
• Full Stack Development
• AWS Development
• React.js
• Angular Flutter Software Development Kit (SDK)

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