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About the Role

Credit Risk plays a critical role in enabling Brex's growth by balancing responsible risk management with exceptional customer experiences. This is an opportunity to lead one of Brex's largest and most strategic credit organizations during an exciting stage of growth, shaping the future of commercial credit by combining deep financial expertise, operational excellence, and technology-enabled innovation.

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.

Skills

• AI
• Automation
• Commercial credit risk
• Commercial underwriting
• Portfolio management
• Commercial banking
• Financial statement analysis
• Cash flow analysis
• Balance sheet analysis
• Credit exposure management
• Commercial credit products
• Corporate liability underwriting
• Business credit decision-making
• Team leadership
• Communication
• Executive presence
• Stakeholder influence
• Cross-functional partnership
• Operational efficiency
• Technology adoption
• Customer success
• Risk management

Location

• San Francisco
• New York
• Salt Lake City
• Seattle

Work Type

• Hybrid
• Remote

Experience Level

• Director
• 10+ years

Salary/Compensations

• $231,660 - $289,575

About the Company

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