Description
Join Brex, the intelligent finance platform that enables companies to spend smarter and move faster in over 200 markets. As the Director of Collections, you will lead Brex's strategy and execution in recovering delinquent balances. You will utilize both internal and external tools and resources to identify the cause of non-payment and appropriately respond. You will deploy both automated and human-powered solutions, always balancing Brex's ability to recover with the long-term relationship with the customer.
This is a highly strategic function focused on building scalable processes, driving operational rigor, and continuously evolving how Brex approaches recoveries and customer servicing in a modern financial ecosystem. You will define and execute the multi-year vision for Brex's B2B collections and recovery strategy across our unsecured corporate card and financial products. You will own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs (NCOs).
You will lead and mentor an internal team of collections managers and specialists. You will continuously optimize standard operating procedures (SOPs), workflows, and treatment strategies. You will oversee external collection agencies and legal partners. You will define placement strategies, negotiate contracts, conduct performance reviews, and ensure rigorous compliance oversight.
You will partner with Data Science and Engineering to build predictive risk models (e.g., propensity to pay), leverage agentic AI for automated outreach, and integrate sophisticated workflow tools to streamline the collections process. You will act as the feedback loop to the Underwriting and Credit Policy teams, identifying emerging risk trends and helping to refine front-end credit decisions.
As the Director of Collections, you will have 10+ years of experience in collections, risk operations, or credit cycle management, with at least 5 years focused specifically on B2B / commercial unsecured credit. You will have 3+ years of experience in a senior leadership role. You will have deep domain expertise in commercial collections strategies, including workout arrangements, arbitration, bankruptcy proceedings, legal recoveries, and B2B debt settlement.
You will be highly analytical and data-driven; comfortable navigating data warehouses, utilizing BI tools (Looker, Hex), and working with data science teams to optimize segmentation strategies. You will have experience operating in a high-growth Fintech or modern banking environment. You will have exceptional executive communication skills with the ability to present complex risk metrics to C-suite leadership and external banking partners.