Director, Credit Risk (San Francisco)

Why join usBrex 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.Credit Risk at BrexCredit 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 doAs 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 workThis 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!ResponsibilitiesLead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolioDevelop and execute portfolio strategies that balance responsible growth, customer experience, and portfolio performance while optimizing credit exposure across diverse customer segmentsPartner cross-functionally with Sales, Customer Success, Product, Operations, Analytics, and Credit Policy to deliver scalable, customer-centric credit decisionsLead, coach, and develop a high-performing organization of managers and credit professionals, fostering a culture of accountability, collaboration, and continuous improvementBuild trusted relationships with customer finance leaders, including CFOs, to evaluate complex credit situations and support long-term customer successDrive 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 managementHelp shape the evolution of Brex's commercial credit capabilities as the company continues to expand into new customer segments and scale its portfolioLead high stakes conversations with client (CFO teams), partners, regulators and auditorsRequirements10+ years of experience in commercial credit risk, commercial underwriting, portfolio management, commercial banking, or a related fieldDeep expertise evaluating business financial statements, cash flow, balance sheets, and commercial credit exposureExperience managing existing commercial customer portfolios, including ongoing underwriting, portfolio monitoring, credit line management, and exposure managementStrong understanding of commercial credit products, corporate liability underwriting, and business credit decision-makingProven experience leading and developing high-performing teams in a fast-paced financial services or fintech environmentExcellent communication and executive presence, with the ability to influence senior stakeholders and engage directly with CFOs and finance leadersDemonstrated success building strong cross-functional partnerships across commercial, operations, product, analytics, and risk organizationsPassion for improving operational efficiency through technology, automation, and AI-enabled workflowsExperience supporting commercial cards, B2B payments, banking, commercial lending, or fintech products is preferredExperience serving commercial, middle-market, or enterprise customers at a leading financial institution or high-growth fintech is strongly preferredCompensationThe 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.Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.