Director, Credit Risk
About The Position
Brex is an intelligent finance platform that enables companies to spend smarter and move faster in over 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex empowers 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, allowing customers to focus on their core business. Tens of thousands of leading companies, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek, rely on Brex. Working at Brex offers the opportunity to push limits, challenge the status quo, and collaborate with industry leaders. The company is committed to building a diverse team and inclusive culture, believing that potential is limited only by ambition. Brex supports employee growth through tools, resources, and support. Credit Risk at Brex is crucial for enabling Brex's growth by balancing responsible risk management with exceptional customer experiences. As the customer base expands across startups, commercial businesses, middle-market companies, and enterprises, Brex is investing in leaders to scale its portfolio, strengthen commercial credit capabilities, and modernize decision-making processes. This role offers the chance to lead one of Brex's largest and most strategic credit organizations during a significant growth phase. The position will involve shaping the future of commercial credit through financial expertise, operational excellence, and technology-driven innovation to build a world-class portfolio management function.
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
Benefits
- Equity and other forms of compensation may be provided as part of a total compensation package.
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What This Job Offers
Job Type
Full-time
Career Level
Director
Education Level
No Education Listed
