Director of Credit Risk, Brex
$231.7-289.6k
More information about location
3+ days a week in office
Intelligent finance platform
Posted today
Intelligent finance platform
1001+ employees
Posted today
$231.7-289.6k
More information about location
3+ days a week in office
1001+ employees
Company mission
To empower employees anywhere to make better financial decisions.
Role
Who you are
- 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
What the job involves
- 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
- 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
- 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
Our take
Brex started its life providing corporate credit cards aimed mainly at startups and SMBs. Since then, it has gradually evolved its model towards becoming a one-stop finance shop for companies. It has also adapted to serve a much wider range of businesses, from startups to enterprises.
As the largest modern corporate card platform, Brex serves over 20,000 businesses globally, and is responsible for the processing of tens of billions of dollars in transactions. It has raised significant capital and reached a peak valuation of $12.3 billion in 2022.
With the landscape of companies clamouring to meet financial needs increasing by the day, Brex is well set to see continued growth. In 2026 it was announced that Capital One will be purchasing the company in order to pursue its ambition to “build a payments company at the frontier of the technology revolution.”
Freddie
Company Specialist at Welcome to the Jungle
Insights
3% employee growth in 12 months
Company
Funding (last 2 of 8 rounds)
Oct 2021
$300m
SERIES D
Apr 2021
$425m
SERIES D
Total funding: $1.1bn
Company benefits
- Medical, dental & vision
- Spring Health & Calm
- Generous vacation
- Year-end company shutdown
- Generous parental leave
- Carrot Fertility benefits
- Milk Stork for nursing parents
- In-office days, lunches & offsites
- Commuter benefits
- 4 fully remote weeks
Company HQ
Nob Hill, San Francisco, CA
Leadership
Henrique Dubugras
(Chair & Founder)After a degree at Stanford, Henrique worked as a Developer at Cronus Emulator, Ingresse, and Views for a combined 2 years. He founded Estudar nos EUA, EduqueMe, and Pagar.me before leveraging this startup experience to co-found Brex in March 2017.
Pedro Franceschi
(CEO & Founder)After a degree at Stanford, Pedro worked as a Software Engineer before founding Pager.me, an online payments company. He left the company in 2017 to co-found Brex.
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