Bread Financial Executive and Leadership Team

Ralph Andretta, the President & Chief Executive Officer at Bread Financial, directs the overarching corporate strategy and long-term vision for the organization. By prioritizing tech-forward financial services, Andretta ensures the company maintains a competitive edge in the private-label and co-brand credit card sectors. This leadership role involves constant collaboration with the Board to align business objectives with evolving consumer demands for flexible payment plans and digital saving tools. Overseeing the entire enterprise, the President & Chief Executive Officer drives growth initiatives that expand market reach across the United States. Ralph Andretta maintains a focus on delivering personalized, digitally enabled experiences that simplify money management for millions of users. Through rigorous oversight of operational performance and brand partner relationships, the President & Chief Executive Officer secures the financial health and innovative trajectory of the firm, ensuring consistent value creation for all stakeholders involved in the ecosystem.

Perry Beberman, the Executive Vice President, Chief Financial Officer at Bread Financial, manages the fiscal health and capital allocation strategies of the company. By overseeing financial planning, reporting, and treasury functions, Beberman ensures the firm maintains the stability required to support diverse lending products and buy now pay later options. This leadership role involves analyzing market trends to guide investment in digital infrastructure and consumer-facing financial tools. Perry Beberman collaborates with the executive team to balance risk management with aggressive growth targets in the credit card and personal lending markets. By maintaining transparent communication with investors and regulatory bodies, the Executive Vice President, Chief Financial Officer upholds the integrity of the financial operations. Through precise budgeting and resource management, the Executive Vice President, Chief Financial Officer enables the company to scale its innovative payment solutions effectively, ensuring long-term profitability and sustainable expansion across the competitive financial services landscape.

Jamie Golden, the President, Family Matters & Associate Resource Group at Bread Financial, directs the initiatives that support associate well-being and community engagement within the organization. By overseeing the Family Matters resource group, Golden fosters an inclusive environment that aligns with the company commitment to personalized and accessible financial services. This leadership role involves creating programs that enhance the employee experience, which in turn supports the delivery of high-quality lending and payment solutions to consumers. Jamie Golden collaborates with leadership to ensure that the company culture reflects the values of innovation and convenience. By championing associate-led initiatives, the President, Family Matters & Associate Resource Group drives engagement and retention across the firm. Through this focus on the internal community, the President, Family Matters & Associate Resource Group supports the broader mission of the company, ensuring that the organization remains a supportive and effective partner for both its employees and its brand clients.

Jenny Cloud, the Chief of Staff at Bread Financial, manages the executive office operations and facilitates strategic alignment across internal departments. By coordinating high-priority projects, Cloud ensures that the leadership team executes corporate goals with precision and speed. This role involves streamlining communication between the C-suite and various business units to optimize the delivery of lending and payment solutions. Jenny Cloud monitors the progress of key initiatives, providing the necessary support to maintain focus on the company mission of accessible financial management. Acting as a central point of contact, the Chief of Staff resolves complex organizational challenges and improves cross-functional collaboration. By managing the flow of information and resources, the Chief of Staff enables the executive team to concentrate on scaling digital saving tools and enhancing brand partner programs. Through this dedicated administrative and strategic oversight, the Chief of Staff drives operational excellence and supports the overall efficiency of the organization.

Dennis McCarthy, the Executive VP & Chief Revenue Officer at Bread Financial, directs all sales and revenue-generating activities across the enterprise. By focusing on the acquisition and retention of brand partners, McCarthy expands the reach of private-label credit card programs and flexible payment solutions. This leadership role involves designing go-to-market strategies that capitalize on the demand for personalized, digitally enabled financial experiences. Dennis McCarthy monitors market performance to identify new opportunities for personal lending products and digital saving tools. By aligning sales teams with the broader corporate mission, the Executive VP & Chief Revenue Officer ensures that revenue growth remains consistent with the company commitment to consumer convenience. Through the cultivation of strategic partnerships, the Executive VP & Chief Revenue Officer drives the adoption of financial solutions that empower users. This focus on revenue optimization and partner success directly supports the overall market impact and financial performance of the organization.

Allegra Driscoll, the Executive Vice President & Chief Technology Officer at Bread Financial, architects the digital infrastructure that powers the company suite of financial services. By overseeing software development, cybersecurity, and data analytics, Driscoll ensures the delivery of secure and seamless experiences for consumers using buy now pay later options and digital saving tools. This leadership role involves integrating cutting-edge technology into the core lending and payment platforms to maintain a tech-forward market position. Allegra Driscoll collaborates with other C-suite leaders to align technical roadmaps with business objectives, ensuring that innovation remains at the forefront of the company strategy. By managing the engineering teams and technical resources, the Executive Vice President & Chief Technology Officer drives the development of scalable solutions that support brand partners. Through this focus on technological advancement, the Executive Vice President & Chief Technology Officer enables the firm to provide accessible and efficient financial management tools to a broad user base.

Barbara Kempton, the Legal Chief of Staff at Bread Financial, manages the intersection of legal compliance and strategic business operations. By overseeing the regulatory framework for lending and payment products, Kempton ensures that all company initiatives adhere to industry standards and legal requirements. This leadership role involves coordinating with legal counsel to mitigate risk while supporting the rapid deployment of new financial solutions. Barbara Kempton facilitates communication between the legal department and executive leadership to ensure that compliance remains a core component of the company growth strategy. By streamlining legal processes, the Legal Chief of Staff enables the organization to innovate within the credit card and personal lending sectors without compromising security or regulatory integrity. Through this focus on governance and operational alignment, the Legal Chief of Staff supports the company mission of providing reliable and accessible financial services to consumers and brand partners across the country.

Amy Greene, the Director, Chief of Staff for People and Culture at Bread Financial, directs the internal initiatives that shape the company workforce and organizational environment. By overseeing talent development, employee engagement, and corporate culture programs, Greene ensures that the team remains aligned with the mission of delivering tech-forward financial services. This leadership role involves implementing strategies that foster innovation and collaboration across all departments, from lending to digital product development. Amy Greene monitors organizational health and implements programs that support the professional growth of associates. By bridging the gap between executive leadership and the broader workforce, the Director, Chief of Staff for People and Culture maintains a cohesive and motivated team. Through this focus on human capital, the Director, Chief of Staff for People and Culture drives the internal excellence required to support the company commitment to providing accessible and personalized financial solutions to consumers and brand partners.

Sarah Gaver, the Senior Director, Chief of Staff at Bread Financial, manages the strategic execution of high-level projects that support the company financial services portfolio. By coordinating cross-functional efforts, Gaver ensures that the development of credit card programs and personal lending products remains on schedule and aligned with corporate goals. This leadership role involves analyzing operational workflows to identify efficiencies that improve the delivery of digital saving tools. Sarah Gaver facilitates communication between the executive office and key business units to ensure that strategic priorities are met with precision. By managing complex initiatives and resource allocation, the Senior Director, Chief of Staff enables the organization to maintain its focus on providing accessible financial solutions. Through this dedicated oversight, the Senior Director, Chief of Staff drives the operational success of the firm, ensuring that the company continues to deliver value to brand partners and consumers through innovative and reliable financial services.

Dezirae Cowdrey, the Specialist & Chief of Staff at Bread Financial, manages specialized administrative and strategic functions that support the executive team. By focusing on the optimization of internal processes, Cowdrey ensures that the company remains agile in the delivery of payment and lending solutions. This leadership role involves managing specific projects that enhance the efficiency of the organization, allowing the firm to better serve brand partners and consumers. Dezirae Cowdrey coordinates with various departments to ensure that strategic initiatives are executed effectively and that resources are utilized to support the company mission of accessible money management. By providing targeted support to the executive office, the Specialist & Chief of Staff enables the leadership team to focus on long-term growth and innovation. Through this focus on operational detail and strategic alignment, the Specialist & Chief of Staff contributes to the overall success and market impact of the company.