Xcout IntelBread Financial Holdings, Inc.
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
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Bread Financial Holdings, Inc. at a glance
Bread Financial Holdings, Inc. is a fintech company headquartered in Columbus, United States. It is publicly listed (BFH) with a market capitalisation of $3.9B. Xcout tracks 19 named people at Bread Financial Holdings, Inc., including Ralph J. Andretta (President, Chief Executive Officer & Director). Xcout recorded 1 job posting from Bread Financial Holdings, Inc. in the last 90 days.
Bread Financial Holdings, Inc. leadership
- Ralph J. AndrettaPresident, Chief Executive Officer & Director
- Perry S. BebermanExecutive Vice President & Chief Financial Officer
- Allegra DriscollExecutive Vice President & Chief Technology Officer
- Valerie E. GreerExecutive Vice President & Chief Commercial Officer
- Joseph L. MotesExecutive VP, Chief Legal and Administrative Officer & Secretary
- Tammy Michelle McConnaugheyExecutive Vice President and Chief Credit Risk & Operations Officer
13 more named people on record for Bread Financial Holdings, Inc., with roles, board committees and tenure — see the full roster →
Hiring at Bread Financial Holdings, Inc.
Xcout recorded 1 job posting from Bread Financial Holdings, Inc. in the last 90 days, from a hiring record Xcout has kept since June 2026.
The weekly hiring trend, the roles and locations behind it — see Bread Financial Holdings, Inc.'s hiring signals →
Bread Financial Holdings, Inc. competitors
A few of Bread Financial Holdings, Inc.'s closest competitors — see the full list of competitors and alternatives →
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
Payment Financial Technologies Ltd., an Israeli firm, manages a proprietary payment platform. This system facilitates the distribution of retail credit to consumers through various businesses. Established in 2014, the company's headquarters are situated in Omer, Israel.
Credsystem is a Brazilian financial services company that provides credit solutions, private label credit cards, and payment services for retailers and consumers.
FortBrasil Administradora de Cartões de Crédito S.A. is a Brazilian financial-services company that administers private-label and co-branded credit cards and related consumer-credit products. It serves consumers through retail and commercial partners, providing merchants with card, payments, and credit solutions.
QuickFee Limited delivers a variety of financial products and lending options to professional, commercial, and personal service providers in both Australia and the United States, all facilitated through an online platform. The company's flagship product, QuickFee, is an internet-based payment and financing solution designed to enable businesses to accept client payments via credit card, electronic funds transfer (EFT/ACH), flexible payment plans, or Buy Now, Pay Later (BNPL) installments. QuickFee Limited was established in 2009 and its corporate base is located in Baulkham Hills, Australia.
Zip Co Limited delivers digital financial and payment solutions to a diverse client base, including individual consumers and small-to-medium sized businesses (SMEs). Its extensive global presence spans Australia, Canada, the Czech Republic, Mexico, New Zealand, Poland, Saudi Arabia, Singapore, South Africa, Turkey, the United Arab Emirates, the United Kingdom, and the United States. The company's operations are organized into five primary segments: APAC, Americas, EMEA, Zip Business, and Corporate. For SMEs, Zip Co offers unsecured loans and revolving lines of credit. Consumers, on the other hand, benefit from its Buy Now Pay Later (BNPL) services, providing credit lines and installment payment options for both online and brick-and-mortar transactions. Founded in 2009, the Sydney, Australia-headquartered firm was originally named ZipMoney Limited before adopting its current designation in December 2017.
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More on Bread Financial Holdings, Inc. in Xcout Intel
- 19 named people with titles, LinkedIn and board committees
- Weekly hiring history and the mix of roles behind it
- 2 corporate events with sources — deals, leadership changes, layoffs
- The full competitor set, tracking, exports and API access