Senior Product Owner - Agentic AI

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Job Summary

The Agentic AI Senior Product Owner is a key member of the agile team, partnering with Product Managers and enablement teams to define and execute the tactical vision for product development. This role will support emerging Agentic Commerce initiatives, including proofs of concept, brand pilots, and longterm roadmap to help brands surface within Large Language Models (LLMs) and enable endtoend digital commerce experiences from discovery through checkout. The Senior Product Owner will ensure clarity for the scrum team and drive the feature backlog across AI platforms, commerce services, and brand integrations. The role may also lead BAU support after enablement, including analyzing production issues, guiding fixes, and optimizing processes to meet evolving market needs.

Essential Job Functions

• Influence the digital capabilities roadmap by identifying new features that support AIdriven, agentenabled commerce. Stay current on AI, LLMs, and digital commerce trends, analyze market data, and apply insights. Support discovery sessions and lead optimization efforts to improve throughput. - (30%)
• Prioritize and maintain the product backlog for agentic commerce initiatives, including capabilities for AIdriven product discovery, financing and offer presentment, and headless checkout. Lead agile delivery with engineering teams, manage stakeholder relationships, present updates, gather feedback, and ensure alignment with business & technology strategy. - (30%)
• Manage activities for requirements documentation, risk identification, and mitigation for new AIenabled commerce capabilities. Drive process improvements to enhance product development, pilot enablement, and BAU support efficiency by streamlining workflows, adopting new tools, and supporting experimentation of emerging digital commerce capabilities. - (20%)
• Build strong partnerships within the Scrum team to ensure stable and operational capabilities while managing cross-functional dependencies across product, engineering, security, and platform teams. Collaborate closely with internal teams and external partners to support agentic commerce pilots and integrations. Continually look to optimize processes and improve the end-to-end customer experience. - (10%)
• Train and mentor Product Owners, this includes offering advice, sharing best practices and helping them develop their skills and knowledge. May participate in recruitment and associate engagement efforts. - (10%)

Minimum Qualifications

• High School Diploma or GED.
• 5+ years of experience in Product Management, Information Technology, or related field such as business analysis, with experience in Agile development techniques and managing third-party integrations, APIs, or digital platform products.

Preferred Qualifications

• Bachelor's Degree in Product Management, Business Analysis or Information Technology or related field of study or equivalent, relevant work experience.
• 7+ years of experience in Product Management, Business Analysis, Information Technology, financial services, payments, or digital commerce platforms, including experience supporting modern digital ecosystems such as AI-enabled platforms, conversational interfaces, digital marketplaces, or embedded commerce experiences.
• Experience with Agentic Commerce frameworks and protocols (UPC, ACP, AP2, MCP) and operationalizing agentbased AI systems built on platforms such as Gemini or ChatGPT.

Skills

• Business Systems Analysis
• Product Integration
• Mobile Platforms
• Agile Product Development
• User Experience (UX)
• Digital Capabilities
• Information Technology (IT)
• Product Management
• API Standards
• Agentic AI

Reports To : Manager and above

Direct Reports : 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Stationary Position/Seated
• Maintain focus in high pressure or fast-paced work environment

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.

Salary Range (unless otherwise noted below):

$108,300.00 - $196,300.00

Full Salary Range for position:

California: $124,600.00 - $245,400.00Colorado: $108,300.00 - $206,100.00New York: $119,200.00 - $245,400.00Washington: $113,700.00 - $225,700.00Maryland: $113,700.00 - $215,900.00Washington DC: $124,600.00 - $225,700.00Illinois: $108,300.00 - $215,900.00New Jersey: $124,600.00 - $225,700.00Vermont: $108,300.00 - $196,300.00Ohio: $108,300.00 - $196,300.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial's 401(k) plan.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time ("PSST") upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click here for more Benefits information.

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 ourco-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.comor follow us on Instagram and LinkedIn.

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

• The Company is an Equal Opportunity Employer.

• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.

• The Company participates in E-Verify.

• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.

• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at [email protected].

Job Family:

Marketing

Job Type:

Regular