Perry Beberman

Chief financial officer of Bread Financial with nearly four decades of experience in consumer lending, financial planning, capital management, and business finance. He previously held senior finance leadership roles at MBNA and Bank of America, including responsibility across major U.S. consumer-lending businesses.

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Oct 14, 2026 • 48min

1221: Rebuilding Bread Financial’s Capital Foundation—And What It Made Possible | Perry Beberman, CFO, Bread Financial

Perry Beberman, CFO of Bread Financial and a veteran of MBNA and Bank of America, discusses rebuilding a fragile capital foundation into a platform for growth. He explores balancing retailer approval demands with credit losses, shifting funding toward consumer deposits, reading early signals in consumer credit, and using AI without sacrificing human judgment. He also shares lessons from crisis leadership, capital allocation, and finance transformation.

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