Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,798 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 84% of employees would recommend working at Bread Financial to a friend and 83% have a positive outlook for the business. The best reviews about Bread Financial have been left by employees working as Anonymous , Associate and Software Engineer .

Does Bread Financial pay their employees well?

According to anonymously submitted Glassdoor reviews, Bread Financial employees rate their compensation and benefits as 4.4 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has improved by 2% over the last 12 months.

How satisfied are employees working at Bread Financial?

84% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Bread Financial 4.4 out of 5 for work life balance, 4.3 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (107) , Customer Service Representative (98) , Collections Specialist (59) , Associate (30) , Analyst (22) , Collections (22) , Payment Solutions Specialist (22) , Software Engineer (22) , Customer Care Representative (21) , Manager (21) , Customer Care Advocate (19) , Senior Analyst (19) , Collections Representative (16) , Supervisor (16) , Customer Service Representative (CSR) (13)

What are the pros of working at Bread Financial according to real employee reviews?

"Benefits are good and there is plenty!" ((in 180 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 122 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 110 reviews)); "Great people and very clean place." ((in 97 reviews))

What are the cons of working at Bread Financial according to real employee reviews?

"Poor management, and lack of structure." ((in 56 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 37 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Changing too fast with too little communication" ((in 15 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((in 11 reviews))

What are employees saying about Bread Financial layoffs in 2026?

Explore Glassdoor’s employee reviews to understand what current and former employees are saying about Bread Financial layoffs and their outlook for job security at Bread Financial in 2026.

What are the top reviewed Bread Financial locations?

Columbus , Rio Rancho , Plano , Lenexa , Westerville , Westminster , Draper , New York , Dallas , San Antonio , Coeur d'Alene , Milford , Houston , Denver , Chadds Ford , Kansas City , Albuquerque , Cincinnati , Whitehall , Ohio City , Akron , Salt Lake City , Texas City , Overland Park , Kansas City , Chicago , Frisco , Irving , Spokane , Ohio

Bread Financial reviews

4.2

84% would recommend to a friend

(441 total reviews)

Ralph Andretta

90% approve of CEO

83% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Work/Life balance

4.4

Compensation and benefits

4.3

Culture & values

4.0

Senior management

4.0

Career opportunities

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

441 reviews

Reviews about "Compensation"

Return to all reviews

5.0

Apr 5, 2022

Excellent Work/Life flexibility for parents

Quality control specialist

Recommend

CEO approval

Business Outlook

Pros

Choice of working from home, in office or hybrid. Amazing benefits Super flexible if you are salary Great company culture that realizes you have a family and are not just a butt in a seat Hard work is rewarded and lots of room for development and learning new things if you want to, but also okay to be honest that you just want to work your 40 and focus on your family if that is where you are in life.

Cons

Work. I would rather be rich sitting on my own private island, but alas I am not. Also, if you come in from a retail banking background, it is glaringly obvious that they didn't really know what they were doing when they decided to start offering deposit accts. They marketed to the wealthy, but the customer service people clearly have zero understanding of the kind of service wealthy people expect and the kind of transactions a wealthy person would do on a regular basis so they freak out, freeze the account, take weeks to resolve it, and then lose the wealthy client. Some of the system notes are really cringe worthy, esp when you see that if they had just Googled the person they would have had a lightbulb moment.

Bread Financial Response

4y

Thanks for sharing your perspective -- that Bread Financial can be a great place for looking for professional development and those who are currently prioritizing family life. We agree that work-life balance and flexibility are key to making our associates happy and productive. Thanks again!

4.0

Mar 31, 2022

Excellent, smart people continually let down by leadership and infrastructure

Strategic finance analyst

Recommend

CEO approval

Business Outlook

Pros

The Pay/benefits - while not competitive with fintech peers, is still solid. HR begrudgingly stepping up to the plate...as unlimited time off, an expanded bonus structure, and new pay grades were brought in just in the past year. The work - at least in finance, is intellectually stimulating and highly receptive to the initiative and feedback of even the most junior people. Leaders at the junior manager, middle/VP level do a great job of having their ear to the street and frequently promote the work of junior folks who want to help the business grow. The culture - I was not here before the current WFH paradigm, but it seems like the "hybrid" work model has been seamlessly implemented, and the finance team is totally at home with this new, modern way of the workplace. The opportunities - There is plenty of work to go around, with no two deals alike, and finance is always kept on its toes. . Individual and small-group initiatives on process improvement are swiftly indulged.

Cons

The pay/benefits - as stated in the "pros", not competitive with market peers such as Affirm, Square, klarna et al. Company inexplicably had a hiring freeze in place for much of 2021 (many are unsure if its been lifted), even with extremely lofty growth projections in place. It will not take much for the finance org in particular to reach a state of chronic understaffing. The work - as outstanding as the people in the finance/CFO org are, from a corp dev POV there are too many high profile losses and not enough wins. Experience with deals so far does not inspire confidence in Bread's capability to meaningfully compete with the Affirm's of the world, much less the Citi’s and Barclay’s. The opportunities - jury out on what mobility and cross-training will look like as the deal pipeline (hopefully) fills up following rebrand. Misc - Employee tech a bad joke; general approach is stuck in the 2010's. Computers given to associates are woefully inadequate, and even if they work great, issues are seldom dealt with in timely fashion. Nonexistent flexibility in the hardware acquisition process.

Bread Financial Response

3y

Thank you for sharing your review -- we appreciate the perspective you've shared.

3.0

Mar 12, 2022

Good job

Call center representative

Recommend

CEO approval

Business Outlook

Pros

Great training, pay, benefits, facilities

Cons

Site shut down. So there’s that.

Bread Financial Response

4y

Glad to hear you enjoyed working for us and thought highly of our training, pay, benefits, and facilities -- these are all very important to candidates. Sadly, with COVID we did have to close a few of our onsite locations… but the good news is that allowed associates to have the ability to work remotely and continue their employment! We offer workplace choice -- As an associate you get to choose to work from home, in the office, or a hybrid of both. Our offices have gone through extensive remodeling to give associates options for the workspace that works best for them, including tables, white boarding areas, innovation rooms, soft seating, mini-cubes, open-air desks, breakout spaces. Whatever work space inspires you, there's an option to reserve a space like that in our corporate buildings.

Viewing 181 - 183 of 441 Reviews

Jobs at Bread Financial

Senior Business Intelligence

Lead - Analytical and Automation Solutions

Principal - Analytical and Automation Solutions

Site Reliability Engineering Senior Manager

Bread Financial

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Reviews about "Compensation"

Excellent Work/Life flexibility for parents

Excellent, smart people continually let down by leadership and infrastructure

Good job

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