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.
Your responsibilities will include defining and executing the multi-year vision for Brex's B2B collections and recovery strategy, owning 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, continuously optimizing standard operating procedures (SOPs), workflows, and treatment strategies.
You will oversee external collection agencies and legal partners, 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, leverage agentic AI for automated outreach, and integrate sophisticated workflow tools to streamline the collections process.
As the feedback loop to the Underwriting and Credit Policy teams, you will identify emerging risk trends and help refine front-end credit decisions. You will collaborate with Legal/Compliance to ensure adherence to all commercial lending regulations.
Requirements include 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 should have 3+ years of experience in a senior leadership role, deep domain expertise in commercial collections strategies, and highly analytical and data-driven skills.