Customer Care Associate

JOB DESCRIPTION

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Job Summary

The Customer Care Department is driven by a talented group of customer experience professionals who take considerable pride in building customer and brand loyalty through positive customer interactions. The associate is responsible for providing a superior and efficient experience on inbound and outbound customer service calls and emails from customers, while adhering to all procedural and regulatory guidelines. The associate is responsible for a multitude of inquiries including (but not limited to) Fee Inquiries, Credits / Return Calls, Credit Limit inquiries, Dispute intake, and authorization requests for products that Bread Financial offers to its customers.

Essential Job Functions

Customer Experience - Answer a variety of inbound customer service calls and emails from customers. Efficiently build a connection with customers through care, empathy, listening, acknowledgement and through providing accurate information. Interact professionally, respectfully, and energetically to mutually resolve customer inquiries through negotiation and education. Recognize when to leverage resources to resolve customer inquiries. Demonstrate ownership and accountability without placing blame.

Build Relationships – Serve as a customer advocate to assist customers transactions. Work independently and as a part of a team. Actively engage with teammates to achieve common goals through knowledge sharing.

Communication – Demonstrate outstanding verbal and written communication skills when working with internal and external partners. Explain complex topics in a clear and concise manner. Respond well under pressure and appreciate ambiguity as a normal business condition. Give and accept feedback as a matter of practice. Document interactions and update customer records in company systems. Utilize knowledge of Microsoft Office tools such as Outlook and Teams to execute daily work.

Reports to : Lead or above

Working Conditions / Physical Requirements :

Normal office environment, no travel required.

Direct Reports : None

Minimum Qualifications :

Bachelor’s Degree

1 to 2 years of customer service experience in call center or related experience

Must be able to pass English Assessment

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.

NYSE : BFH) is a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers.

To learn more about Bread Financial, our global associates and our sustainability commitments, visit or follow us on and .

All job offers are contingent upon successful completion of credit and background checks.

Bread Financial is an Equal Opportunity Employer.

Job Family : Operations

Job Type : Regular