Director, Credit Risk

Brex•Salt Lake, UT

4d•Hybrid

About The Position

Brex is seeking a Director, Credit Risk to lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing customers. This role is critical in enabling Brex's growth by balancing responsible risk management with exceptional customer experiences. The ideal candidate will help shape the future of commercial credit by combining deep financial expertise, operational excellence, and technology-enabled innovation to build a world-class portfolio management function. You will oversee a multi-layered team of managers and credit professionals responsible for managing portfolio performance, credit decisions, and customer risk across a rapidly growing commercial customer base. This role requires close partnership with Sales, Customer Success, Product, Operations, Analytics, Legal, and Credit Policy to deliver thoughtful credit decisions that enable customer growth while maintaining a healthy portfolio. Additionally, you will lead the transformation of Brex's credit organization by building AI-native underwriting and portfolio management capabilities that automate routine work, elevate human judgment, and enable the business to scale without proportionally increasing operational complexity.

Requirements

10+ years of experience in commercial credit risk, commercial underwriting, portfolio management, commercial banking, or a related field
Deep expertise evaluating business financial statements, cash flow, balance sheets, and commercial credit exposure
Experience managing existing commercial customer portfolios, including ongoing underwriting, portfolio monitoring, credit line management, and exposure management
Strong understanding of commercial credit products, corporate liability underwriting, and business credit decision-making
Proven experience leading and developing high-performing teams in a fast-paced financial services or fintech environment
Excellent communication and executive presence, with the ability to influence senior stakeholders and engage directly with CFOs and finance leaders
Demonstrated success building strong cross-functional partnerships across commercial, operations, product, analytics, and risk organizations
Passion for improving operational efficiency through technology, automation, and AI-enabled workflows

Nice To Haves

Experience supporting commercial cards, B2B payments, banking, commercial lending, or fintech products is preferred
Experience serving commercial, middle-market, or enterprise customers at a leading financial institution or high-growth fintech is strongly preferred

Responsibilities

Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolio
Develop and execute portfolio strategies that balance responsible growth, customer experience, and portfolio performance while optimizing credit exposure across diverse customer segments
Partner cross-functionally with Sales, Customer Success, Product, Operations, Analytics, and Credit Policy to deliver scalable, customer-centric credit decisions
Lead, coach, and develop a high-performing organization of managers and credit professionals, fostering a culture of accountability, collaboration, and continuous improvement
Build trusted relationships with customer finance leaders, including CFOs, to evaluate complex credit situations and support long-term customer success
Drive operational excellence by continuously improving underwriting workflows, portfolio monitoring, and decision-making processes
Champion the adoption of AI and automation to improve efficiency, enhance decision quality, and enable teams to focus on higher-value judgment, customer partnership, and strategic risk management
Help shape the evolution of Brex's commercial credit capabilities as the company continues to expand into new customer segments and scale its portfolio
Lead high stakes conversations with client (CFO teams), partners, regulators and auditors