customer service representative

analyst

collection agent

senior financial analyst

senior analyst

Bread Financial

What is the best part of working at the company?
The best (WFH) opportunity. It has been an amazing experience working with Bread Financial. The benefits package is  outstanding. All of the equipment needed is provided by the company, and thorough paid training, that is followed by an absolutely wonderful team of supervisors, and team members. Even though, you work remotely  you never feel truly alone. Support and encouragement of growth is always there. Did I mention Incentives and bonuses are earned,  as well? Bread Financial is truly the best company I have ever had the opportunity to work for. My quality of life has drastically improved since starting in 2022. 

What is the most stressful part about working at the company?
If you work as a collections agent (Payment Solutions Specialist) making sure you consistently rank highly is a little stressful at times. But once you become knowledgeable enough the pressure is not as heavy. You have to give yourself time, and be willing to learn every technique,  and make it work for you.

What is the work environment and culture like at the company?
(WFH) Bread Financial's work environment is professional,  as well as laid back, and provides a totally hostile free work environment. The company is very diversified with a strong code of ethics.  Bread Financial realizes we are all different,  and strives to understand,  and accommodate all walks of life. 

What is a typical day like for you at the company?
I am a WFH inbound agent,  who occasionally makes outbound calls to our account holders. I clock in when scheduled,  and get to work assisting account holders with their past due accounts. Whether it be simple payment options,  complicated,  or hardship enrollment programs, I assist in any way I am permitted to do so.  I have access to supervisors , leads, and fellow team members if I have any trouble shooting or need assistance. Once you are knowledgeable you are encouraged to assist others on chat boards as needed. The call flow varies from slow to extremely busy, but the busier the better. During slower periods it is essential to catch up on important emails and additional training modules. Breaks are scheduled,  as well as lunches,  and adherence to those times is a must. All meetings are conducted online,  and professional casual environment.

It was a wonderful place to work. The people were extremely friendly and very upbeat. Everyone was always smiling and always greeted you. I enjoyed the one-on-one trainings, coaching, and grow and develop, as well as Volunteer Time Off (VTO). They really want to see you excel and do better, they offered lots of encouragement, support, and care. I loved the PTO; the only downside was having to wait until it's your turn to bid to request days off. So, if you have certain days you want off and when it's your turn to bid - hope and pray that those days are not taken - if so, good luck. That's a major upset too.

However, the hardest part for me while I was employed there was the strict attendance policy. I wish they were more lenient in regards to attendance. The reason why I say this, is because there are situations that are out of your control and your attendance is counted against it (for ex: bad weather, sickness, emergency, any last minute situations), it was counted against you. I never understood why they were very difficult with attendance. It really irritated me that they seemed like they were just mindless when it came down to attendance (if the reasons are legitimate). I'm not speaking in terms of constant call out and constant no call/no show.

Also, another concern I had was with the from which they call, "dashboard." If you were at a certain percentage or number on the dashboard you would be on a corrective - and it was completely out of your control. If a customer gave you a bad survey because you were unable to reverse a return payment fee (in which customers will ask for you to do), they will give you a bad survey and it would affect your rank, voice attribute score, and all that other good stuff. If you did not bring your numbers or percentage at a certain threshold - you can be on correctives.

In my opinion, I think they show support and care just to have you there. However, when it comes down to your needs and wants, if you are sick, or unable to make it because of the 7 inches of snow - the support and care is out the window - and the attendance is counted against you, regardless the situation.

What is the best part of working at the company?
Leaving. I felt like I had to shower after each shift to wash away the grimy feeling. Constant supervisor change and never any consistent focus between any supervisors. One wants you to do something one way and the next asks why you’re doing it that way. With all the metrics, nothing is EVER good enough. Slimy business practices as they want the customers that are challenged in paying their bill on time. And good luck giving customers  accurate info on their account with all the system issues. Beware! Better yet, run in the other direction.

What is the most stressful part about working at the company?
All the metrics. And you’re competing against new hires in which they open up the phone lines for. If a customer calls you back, they have to enter 19 digits to get you directly. If they don’t enter your call back number correctly, it goes to incoming and you get no credit for the callback or the payment collected. Who takes the time to remember 19 numbers?Great way for the company to save on commissions. Cringy. If you continuously rank and do well, miss it by a few bucks one month, they hammer you with all kinds of crazy schedule punishments, supe meetings which lessen your opportunity even more and you’ve been labeled a loser. And don’t forget to give them your vaccine status! If you refuse, you’re done. 

What is the work environment and culture like at the company?
You’ll never please them. EVER. You’re reduced to a number. Great vaca time. If you take it, good luck ever catching up.

What is a typical day like for you at the company?
Chained to your headset, 100+ messages a day and you may talk to one person a day.  Hopefully you’ll get someone to enter your 19 digits correctly to even get one of your callbacks. Don’t worry though…incoming will take that call for you.

I worked in all three levels of collections for a total of 13 years (Retention, Payment Solutions, and lastly Recovery). Liked them all, but especially enjoyed Recovery because of the challenge and getting rewarded with amazing flexibility in schedule if you are a top performer. Also loved the management team! They were constantly engaged themselves with helping the employees reach the goals set out by senior leadership. The management tries to foster real, meaningful relationships with their associates. I know many collectors who have had very personal talks with managers and they have been handled not only professionally but with actual care and concern and given help with what's going on in their lives. There's always change, which I personally think is important for growth in a company. I know this might sound funny, but there is so much good advancement opportunity that if you show any inkling of wanting to advance in the company the management team will bug you and keep giving you more and more help and information to achieve that promotion than you even want:) There are so many more good things I could say about the company and its daily culture and environment. Even during some of the harder times over the 13 years, like the Great Depression, the management and senior leadership showed tremendous character and transparency.
Only reason I left is because God has plans for my wife and I to partake of in another state. If you are looking for a company that stands out above the rest get a job here.

A typical work day at Alliance Data was a very fast paced and professional, but an exciting, happy place to be. What I learned being employed with this company is, relationships positively maintained in the work environment and given the empowerment to make the best decision you feel necessary for the customer without a higher authority's approval, definitely gives you a whole different perspective on something that was just supposed to be a job. It was a good feeling to want to be in that building everyday and to love every aspect of your job, and being given those options and feelings makes you want a lifetime placement with a company just like this one regardless of where you go. Management was by far the best Part of this company. They do their best to make you feel well informed and fully capable of being the best you can be at your job, while successfully being the best mentor an individual can ask for. I rarely had a tough time with any part of my job, but when i did, it was only when I wasn't able to accomplish the goal I had set for my customer, due to an extreme and irate situation, or a duty asked by our customer that is unable to be met by the company. But the most enjoyable part of working for Alliance Data was working with the Customer's themselves. To de-escalate any situation and make each and every one of them happy with our products and services after an altercation, was a good feeling. Turning every negative into a positive call by call was a rewarding feeling at the end of each day.

I have worked in several call centers, but have never experienced anything like Bread before. There's some great things that I found out about the company during my initial research and the interview process, but best of all - they all turned out to be true and consistent even after I started. Here are some of the things that really stood out to me:

Benefits - 100% paid medical, dental and vision insurance for you and your family (!!!) effective the month after you start, flexible vacation policy, 401k, stock options, a desk budget (customize your workspace), a learning stipend which you can apply towards any training/course you want, unlimited free premium snacks and drinks, weekly lunches, monthly happy hour, regular team events, and others.

Culture - It is something that is talked a lot about at different companies, but at Bread you can see and feel it from the very first time you walk into the office. I won't spoil the experience for you by getting into too many details but a few words I would use to describe it would be: fully transparent, friendly, respectful, genuine, empowering, innovative, business casual, fun, team-focused.

Growth opportunities - the center is Tampa just opened a few months ago so it is in a phase of some serious growth. Great time to join and be a part of that.

Management - very open, transparent, growth and development-minded. They have done an amazing job at creating a comfortable and supportive work environment, and are doing things the right way.

Alliance Data overall, is an incredible company to work for, depending on the department you look at. The company is all about health, quitting smoking, eating healthy, walking/running, etc. They also are one of the few companies that truly value family time, and you are given vacation time accordingly. Once you begin employment you start with 4 weeks of Paid Time Off. Four Weeks!! After five years, you get five weeks, which is fantastic. Our benefits package is outstanding if you have a family with children. Price is very good and they charge for a family, not per child. Within Security though, there are very few opportunities for advancement and it can be very political. Unless you are at the Easton location, you are completely forgotten about. Managers play politics big time and can become very disrespectful. Lately, there have been multiple managers that are on some sort of power trip and it is ruining the morale within the department.

Now, outside of Security there are tons of opportunities. Customer Care, Collections, IT, Marketing, Recruiting, HR, Facilities, HVAC, Global Support, etc. You can do what we cal "overviews" with other departments to see if you would be a good fit or not, and transfer department barring openings. Supervisors and managers on the call center floor are no BS people, but are very enjoyable to work with and talk to.

Overall, the company is very enjoyable to work for, but if you are wanting to make a career out of the company, avoid security.

Alliance Data is great place work.  They work hard to keep the company moving forward and take the time to recognize that the company would not function without their employees.  All employees are compensated well for the work they provide month-to-month.  The environment is always friendly and upbeat.  They often have department wide activities to keep the staff motivated through the day, week, and months.

Everyone that works there is more than willing to help with any questions you may have.  The management staff and supervisors are always there and willing to listen, lend a helping hand, and take suggestions. Alliance staff members work together as a team to provide a common goal.


A typical day at work revolves around a schedule that you are to follow throughout the day to help meet department needs.  On any given day there will be specific hours that the supervisors will run a motivation to help keep the environment up-beat and allow the staff to enjoy themselves while performing their duties.  

The hardest part of the job is finding the solution that will best fit each customer.  You have to take the time to listen to customer and use your negotiation skills as well as incorporate elements of customer service into each interaction, pertaining to that specific scenario.

The most enjoyable part of the job is helping the customers get back on their feet and hearing the relief in their voices when you have found a solution that fits their budget.  Alliance has such a great staff that makes getting through day and tough calls easier.  Everyone is always full of optimism and encouragement.

I'll start by saying that collections is not a job that I like at all, and there was not a single day that I either enjoyed or felt proud of my work. BUT the benefits were good, I liked and respected most of my supervisors (even if I didn't always believe them), and the company offered remote and flexible shifts. I stayed there between 5 and 10 years. 
At least in the collections dept., most of the opportunities for advancement are simply into leadership roles (leads, supervisors, etc) within the collections dept. If you are like me and don't want anything to do with collections, these jobs are obviously not attractive. There are other opportunities in different departments, but competition is fierce and the propaganda for those opportunities can be misleading, so it had become a dead-end job for me. (I don't want to say more because that could give away my identity.)
Furthermore, in my last few years, the company was becoming less flexible with schedules, they removed the "mute" button for employees, and there was growing pressure about hitting higher "numbers." By the end, there were no performance bonuses that were big enough for me to ignore how miserable I was. So, when I had a much more fulfilling opportunity for work, I took it, even though it paid much less. 
I will end by saying that the company regularly took and reported employee satisfaction surveys and it seemed like the vast majority of employees in my department liked the company, liked their jobs, and felt they were contributing to society. I never felt any of those things, and people like me were always a small minority (10-15%). 

ADS has extremely poor middle management and/or lack of management. Very unorganized! Calls are crossing over from Customer Service to New Accounts and Authorizations. No one knows what call to take - there is a lot of cold transfers. You are actually awarded for doing a bad job. If you are lazy, don't care and unmotivated - this the place for you. The workers who want to do a good job are penalized for finding solutions actually resolving the callers issues. 
Many, many times callers have told me I am the 3rd or 4th person they have talked to - with no resolve. Co-workers are lazy and are not motivated to handle calls that are more involved or need extra attention - they cold transfer or ask the caller to hang up and call back. The rating system is set - no excuses, no realistic consideration for certain situations that come into play - even though it is not your fault, you will still receive a poor rating. The employee who actually works, takes more calls than most, resolves more problems/issues, and who actually shows up for work is the one who will be penalized. And talking to a manager or sending emails does no good. It is what it is and everyone - including management is too lazy - or doesn't care to give consideration and/or recognize a good performer. If the system shows your rating - then you are done! Supervisor are terrible, and lazy - they do not want to help you or take an escalated call. And every time you ask a question - you get a different answer from everyone, every time!!

Top Job Titles	Average Salary
Customer service representative 5 salaries reported	$22.18 per hour
Analyst 3 salaries reported	$83,367 per year
Collection agent 7 salaries reported	$19.07 per hour
Senior financial analyst 3 salaries reported	$111,933 per year
Senior analyst 3 salaries reported	$82,333 per year

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