Director, Collections

Brex•Seattle, WA

2d•Hybrid

About The Position

Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek. Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career. Servicing & Collections at Brex Servicing & Collections plays a critical role in protecting both our customers and our business as Brex continues to scale. The team owns the strategy, operations, and customer engagement across the recovery lifecycle, balancing strong financial outcomes with long-term customer relationships. From high-stakes negotiations and delinquency management to operational tooling, vendor strategy, and cross-functional partnership, the team operates at the center of some of Brex’s most important business decisions. This is a highly strategic function focused on building scalable processes, driving operational rigor, and continuously evolving how Brex approaches recoveries and customer servicing in a modern financial ecosystem.

Requirements

10+ years of experience in collections, risk operations, or credit cycle management, with at least 5 years focused specifically on B2B / commercial unsecured credit
3+ years of experience in a senior leadership role
Deep domain expertise in commercial collections strategies, including workout arrangements, arbitration, bankruptcy proceedings, legal recoveries, and B2B debt settlement
Highly analytical and data-driven; comfortable navigating data warehouses, utilizing BI tools (Looker, Hex), and working with data science teams to optimize segmentation strategies
Experience operating in a high-growth Fintech or modern banking environment
Exceptional executive communication skills with the ability to present complex risk metrics to C-suite leadership and external banking partners

Nice To Haves

Experience implementing AI-assisted collections outreach and modern CRM/collections software ecosystems
Deep understanding of the startup/venture-backed business ecosystem and the unique cash-flow dynamics of early-stage companies

Responsibilities

Define and execute the multi-year vision for Brex’s B2B collections and recovery strategy across our unsecured corporate card and financial products
Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs (NCOs). Drive step-function improvements in recovery rates
Lead and mentor an internal team of collections managers and specialists
Continuously optimize standard operating procedures (SOPs), workflows, and treatment strategies
Oversee external collection agencies and legal partners
Define placement strategies, negotiate contracts, conduct performance reviews, and ensure rigorous compliance oversight
Partner with Data Science and Engineering to build predictive risk models (e.g., propensity to pay), leverage agentic AI for automated outreach, and integrate sophisticated workflow tools to streamline the collections process
Act as the feedback loop to the Underwriting and Credit Policy teams, identifying emerging risk trends and helping to refine front-end credit decisions
Collaborate with Legal/Compliance to ensure adherence to all commercial lending regulations