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Credit Risk at Brex

Credit Risk plays a critical role in enabling Brex's growth by balancing responsible risk management with exceptional customer experiences. As our customer base continues to grow across startups, commercial businesses, middle-market companies, and enterprises, we're investing in leaders who can help scale our portfolio, strengthen our commercial credit capabilities, and modernize how we make decisions.

This is an opportunity to lead one of Brex's largest and most strategic credit organizations during an exciting stage of growth. You'll 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.

What you'll do

As the Director of Credit Risk, reporting to the Chief Credit Officer, you'll lead the organization responsible for the ongoing underwriting and portfolio management of Brex's existing customers. You'll 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.

In this role, you'll partner closely 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. You'll also 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.

Where you'll work

This role will be based in our San Francisco, New York, Salt Lake City, or Seattle office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!

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

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
• 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

Compensation

The expected salary range for this role is $231,660 - $289,575.  However, the starting base pay will depend on a number of factors, including the candidate's location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.

Brex LLC is a wholly owned subsidiary of Capital One, N.A.