Bread Financial Holdings, Inc. (NYSE: BFH), formerly known as Alliance Data Systems, is a tech-forward financial services company providing simple, personalized payment, lending, and saving solutions. They partner with leading brands to offer co-brand and private label credit cards, buy now, pay later products (Bread Pay™), and direct-to-consumer products like the Bread Cashback™ American Express® Credit Card and Bread Savings™ products. Bread Financial empowers consumers with greater financial flexibility and choice, leveraging data-driven insights and technology to create value for its partners and customers.
The headquarters serves as the central hub for corporate strategy, executive leadership, financial operations, technology development, marketing, and overall business management for Bread Financial's diverse financial services offerings.
Located within the Easton Town Center area, known for its modern office complexes and vibrant mixed-use environment that includes retail and dining, fostering a dynamic work atmosphere.
The work culture at Bread Financial's headquarters emphasizes innovation, customer-centricity, collaboration, and data-driven decision-making. Employees often describe a fast-paced environment focused on leveraging technology to enhance financial products and services, with a growing emphasis on digital transformation.
The Columbus headquarters is strategically important as it anchors Bread Financial's operations in a key U.S. financial and technological corridor, facilitating access to talent, strategic partnerships, and market insights. It represents the core of the company's operations following its rebranding from Alliance Data.
While Bread Financial's primary market focus for its lending and payment solutions is North America (predominantly the USA and Canada for certain legacy services), it maintains a global operational footprint. Key functions supported globally include technology development, data analytics, customer service, and back-office processing, often through strategic international offices like the one in India. This allows for round-the-clock support, access to diverse talent pools, and operational efficiencies for its largely North American-based clientele and partner brands.
3075 Loyalty Way
Columbus
Ohio
USA
Address: One Righter Parkway, Wilmington, DE 19803 (Associated with Comenity Bank/Capital Services)
Supports national credit card issuing, regulatory compliance, legal functions, and customer service operations primarily for the U.S. market.
Address: 10975 El Monte St, Overland Park, KS 66211
Supports nationwide customer interactions and operational processes, leveraging a skilled workforce in the Midwest to ensure efficient service delivery and program management.
Address: Prestige Tech Park, Marathahalli Ring Road, Bangalore (Alliance Data Services India Pvt. Ltd.)
Functions as a global capability center, offering 24/7 operational support, software development, and analytical services to enhance efficiency and innovation across Bread Financial's offerings.
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As of April 2025, Alliance Data' leadership includes:
Alliance Data has been backed by several prominent investors over the years, including:
Over the past year, Bread Financial has focused on strengthening its executive team to align with its strategic priorities in the evolving financial services landscape. Key appointments have been made to enhance areas such as credit risk management and commercial leadership.
Discover the tools Alliance Data uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.
Bread Financial, having transitioned from Alliance Data, typically utilizes standard corporate email formats. The most common patterns involve combinations of an employee's first name, last name, or initials, followed by the '@breadfinancial.com' domain. For example, 'firstname.lastname@breadfinancial.com' or 'firstinitiallastname@breadfinancial.com'.
[first].[last]@breadfinancial.com or [f][last]@breadfinancial.com
Format
jane.doe@breadfinancial.com
Example
80%
Success rate
Bread Financial Investor Relations • May 1, 2024
Bread Financial announced its financial results for the first quarter of 2024, highlighting continued growth in credit sales and average receivables, and providing updates on its strategic initiatives and financial outlook for the remainder of the year....more
PR Newswire / Bread Financial • February 27, 2024
Bread Financial announced its recognition on Forbes' list of America's Best Midsize Employers for 2024. This acknowledgment highlights the company's commitment to fostering a positive workplace culture and employee satisfaction....more
Bread Financial Investor Relations • October 26, 2023
Bread Financial confirmed a multi-year extension of its partnership with Dell Technologies to continue providing Dell Financial Services co-brand credit cards and financing solutions, reinforcing a significant long-standing brand relationship....more
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