Credit Director

QXO•Glendale, AZ

13d

About The Position

QXO is North America’s largest distributor and installer of insulation; second-largest distributor of roofing products; second-largest publicly traded distributor of lumber and building materials; and largest distributor of waterproofing products. QXO is the fastest growing company in the $800 billion building products distribution industry and plans to become the tech-enabled leader by delivering best-in-class customer satisfaction and outsized returns for its shareholders. The company is targeting $50 billion in annual revenue within the next decade through accretive acquisitions and organic growth. Visit QXO.com for more information.

Requirements

10+ years of progressive experience in credit, collections, or financial risk management
Proven leadership experience managing and developing high-performing teams (including managing managers)
Strong business acumen with the ability to balance risk management and commercial growth objectives
Excellent interpersonal and communication skills, with a demonstrated ability to influence both internal stakeholders and external customers
Experience working in a client-facing capacity and partnering closely with Sales teams
Deep understanding of accounts receivable management, credit underwriting, and risk assessment
Working knowledge of accounting and finance principles
Strong analytical, negotiation, and problem-solving skills
Proficiency in Microsoft Office Suite and credit/ERP systems

Nice To Haves

Experience in manufacturing, retail, construction or related industry a plus
familiarity with lien and bond processes is a plus
Bachelor’s degree in Business, Finance, or a related field preferred
Willingness to travel occasionally for customer and business needs

Responsibilities

Partner closely with Sales and key customers to support revenue growth while maintaining disciplined credit risk management
Serve as a senior, client-facing leader—building relationships with strategic accounts and resolving complex credit issues
Establish and execute credit strategies, policies, and procedures that balance risk and growth
Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and alignment with company goals
Oversee credit underwriting decisions, including large or complex transactions and exceptions to policy
Monitor and manage overall accounts receivable performance, including DSO, delinquency trends, and bad debt
Drive proactive risk assessment and ensure timely updates to customer credit profiles
Lead negotiations on high-risk or delinquent accounts to minimize losses and preserve customer relationships
Oversee third-party collections, legal escalations, lien/bond processes, and bankruptcy activities
Deliver regular reporting and insights to senior leadership on credit performance, risk exposure, and portfolio health
Partner cross-functionally with Finance, Sales, Operations, and Legal to support scalable growth
Champion process improvements, systems enhancements, and best practices across the credit function