---
title: 'Director, Credit Risk at Brex'
canonical: 'https://feeny.ai/job/director-credit-risk-brex-seattle-washington-8p35e3tcrcfv'
type: 'job'
last_seen: '2026-09-11'
---

# Director, Credit Risk at Brex

- **Company:** Brex
- **Location:** Seattle Washington, United States
- **Posted:** 2026-07-09
- **Last confirmed live:** 2026-09-11
- **Apply:** https://www.brex.com/careers/8627269002?gh_jid=8627269002

## Job description

## Why join us

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.

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. 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](http://brex.com/) domain. Any outreach claiming to be from Brex via other sources should be ignored.

## About Brex

## Company Overview
- **One-liner**: Brex provides a modern finance platform combining corporate cards, expense management, travel booking, banking, and treasury services, all powered by AI-driven automation.
- **Entity Type**: Private (backed by venture capital; last known Series D3 at $12.3B valuation in 2022)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2017
- **Founders**: Henrique Dubugras and Pedro Franceschi

## Core Business
- Primary industry/industries: Financial technology (fintech) – specifically spend management, corporate cards, expense automation, and business banking.
- Target customers: B2B – startups, mid-size companies, and enterprises; over 35,000 companies use Brex.
- Mission/purpose statement: "Empower employees anywhere to make better financial decisions."

## Products & Services
- **Corporate Cards**: Physical and virtual corporate cards with built-in spend controls, real-time budgets, and cash back/rewards.
- **Expense Management**: AI-powered automation for receipts, expense reports, and approvals; integrates with ERP systems.
- **Travel**: In-app global travel booking and management with policy enforcement.
- **Bill Pay**: Automated invoice entry, approval workflows, and vendor payments.
- **Banking & Treasury**: Business cash accounts with up to 4.36% yield, same-day liquidity, and up to $6M in additional FDIC insurance.

## Market Standing
- **Valuation/Market Cap**: $12.3 billion (Series D3, 2022 – recent valuation not disclosed; may have changed)
- **Key Metric**: Over 35,000 businesses use Brex (source: brex.com). Total funding exceeds $1.5 billion (publicly reported, not detailed in provided sources).
- **Notable Investors/Partners**: Greenoaks, IVP, Tiger Global, Y Combinator, Kleiner Perkins, DST Global, Max Levchin, Peter Thiel, Lone Pine Capital, Ribbit Capital.
- **Growth Signals**: Named #2 on Fast Company’s 2023 Top 50 Disruptors; expanding AI-driven finance automation; 756 hours average time saved per year for customers; 71% of expenses prepared on Brex handled entirely by automation.

## Competitive Advantages
- **All-in-one platform**: Combines cards, expense management, travel, bill pay, and banking in a single stack – reducing the need for multiple vendors.
- **AI-powered automation**: Uses AI to automate receipt capture, expense categorization, approval workflows, and GL coding, enabling faster close.
- **Higher credit limits**: Offers up to 30x higher credit limits compared to traditional providers.
- **Founder-centric culture**: Over 100 Brex alumni have started their own companies (4x industry average), signaling a culture that breeds entrepreneurship.

## Strategic Focus
- **AI-first finance**: Continually investing in AI to eliminate manual work (e.g., AI expense assistant, invoice automation).
- **Global expansion**: In-app global travel and multi-entity support for international teams.
- **Enterprise penetration**: Deepening ERP integrations, procurement flows, and vendor-specific card controls for mid-market and enterprise clients.
- **Cash management innovation**: Offering competitive treasury yields to attract and retain deposits.

## Why Work Here
- **Culture**: Emphasizes “Be the founder of your career” – hires people with “grit, autonomy, and ambition” and supports rapid growth. Values include Growth Mindset, Ownership, Customer Obsession, and One Brex.
- **Remote-first**: Committed to remote-first work, with in-office days/offsets for connection and up to 4 fully remote weeks per year. Employees can optimize time and location.
- **Benefits**: Generous parental leave, Carrot Fertility, Milk Stork, medical/dental/vision, Spring Health (mental health), Calm app, generous vacation, and year-end company shutdown.
- **Headcount**: ~800 employees (Built In), 501–1,000 range (The Muse) with 7 offices globally.
- **Engineering focus**: Strong engineering culture visible through “Building Brex” blog and emphasis on automation and AI.

## Sources
1. [brex.com](https://www.brex.com/careers)
2. [brex.com](https://www.brex.com/about)
3. [brex.com](https://www.brex.com/index)
4. [builtin.com](https://builtin.com/company/brex/faq/workplace-perception)
5. [themuse.com](https://www.themuse.com/profiles/brex)

## Other roles at Brex

- [Engineering Manager, Bill Pay](https://feeny.ai/job/engineering-manager-bill-pay-brex-vancouver-british-columbia-ph5xyc1kqpc0) — Vancouver British Columbia, Canada
- [Engineering Manager, Bill Pay](https://feeny.ai/job/engineering-manager-bill-pay-brex-seattle-washington-vsqfxr44mxfe) — Seattle Washington, United States
- [Engineering Manager, Bill Pay](https://feeny.ai/job/engineering-manager-bill-pay-brex-new-york-new-york-ny5d93xc0z1y) — New York New York, United States
- [Engineering Manager, Bill Pay](https://feeny.ai/job/engineering-manager-bill-pay-brex-san-francisco-california-j7hjsmbfm5ym) — San Francisco California, United States
- [Account Protection Specialist](https://feeny.ai/job/account-protection-specialist-brex-vancouver-british-columbia-8zenx2d9zwtm) — Vancouver British Columbia, Canada
- [Senior Marketing Operations Manager](https://feeny.ai/job/senior-marketing-operations-manager-brex-vancouver-british-columbia-dezbawhc17b6) — Vancouver British Columbia, Canada
- [Senior Marketing Operations Manager](https://feeny.ai/job/senior-marketing-operations-manager-brex-salt-lake-city-utah-5wgqqdd1ev94) — Salt Lake City Utah, United States
- [Senior Marketing Operations Manager](https://feeny.ai/job/senior-marketing-operations-manager-brex-new-york-new-york-9wkp9erwrt77) — New York New York, United States
- [Senior Marketing Operations Manager](https://feeny.ai/job/senior-marketing-operations-manager-brex-seattle-washington-qs8486tsawxt) — Seattle Washington, United States
- [Senior Marketing Operations Manager](https://feeny.ai/job/senior-marketing-operations-manager-brex-san-francisco-california-791p36jdky4h) — San Francisco California, United States