Credit Director

QXO•Glendale, AZ

About The Position

We’re looking for bold, entrepreneurial talent ready to help build something extraordinary — and reshape the future of building products distribution. QXO is a publicly traded company founded by Brad Jacobs with the goal of building the market-leading company in the building products distribution industry. On April 30, 2025, QXO completed its first acquisition: Beacon Building Products, a leading distributor in the sector. We are building a customer-focused, tech-enabled, and innovation-driven business that will scale rapidly through accretive M&A, organic growth, and greenfield expansion. Our strategy is rooted in delivering exceptional customer experiences, improving operational efficiency, and leveraging data, digital tools, and AI to modernize a historically under-digitized industry. At QXO, we’re building a modern, technology-driven platform to transform the building products distribution industry. As a Credit Director, you will play a critical leadership role in driving profitable growth while managing credit risk across a portfolio. You’ll lead a team of Credit Managers, partner closely with Sales and customers, and help shape credit strategy to support business expansion.

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
Strong analytical, negotiation, and problem-solving skills
Proficiency in Microsoft Office Suite and credit/ERP systems
Bachelor’s degree in Business, Finance, or a related field preferred
Willingness to travel occasionally for customer and business needs

Nice To Haves

Experience in manufacturing, retail, construction or related industry a plus
Working knowledge of accounting and finance principles; familiarity with lien and bond processes is a plus

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