Description
Join Brex, the intelligent finance platform that enables companies to spend smarter and move faster in more than 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 do this through deploying both automated and human-powered solutions, always balancing Brex's ability to recover with the long-term relationship with the customer.
You have proven experience in negotiating challenging, high-balance workouts from an unsecured position. You take learnings from each recovery effort to optimize our internal policies and credit risk positioning. Beyond Servicing Recoveries, you will also support Account Servicing responsibilities, managing pre-delinquency relationship management, including statement period adjustments, payment delay requests, and manual payment application processes. This is a highly cross-functional role, with key touchpoints across Credit, Finance, Go-to-Market, and our Customer Support teams.
Responsibilities:
- Define and execute the multi-year vision for Brex's B2B collections and recovery strategy across our unsecured corporate card and financial products
- Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs (NCOs). Drive step-function improvements in recovery rates
- Lead and mentor an internal team of collections managers and specialists
- Continuously optimize standard operating procedures (SOPs), workflows, and treatment strategies
- Oversee external collection agencies and legal partners
- Define placement strategies, negotiate contracts, conduct performance reviews, and ensure rigorous compliance oversight
- 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
- Act as the feedback loop to the Underwriting and Credit Policy teams, identifying emerging risk trends and helping to refine front-end credit decisions
- Collaborate with Legal/Compliance to ensure adherence to all commercial lending regulations
Requirements:
- 10+ years of experience in collections, risk operations, or credit cycle management, with at least 5 years focused specifically on B2B / commercial unsecured credit
- 3+ years of experience in a senior leadership role
- Deep domain expertise in commercial collections strategies, including workout arrangements, arbitration, bankruptcy proceedings, legal recoveries, and B2B debt settlement
- Highly analytical and data-driven; comfortable navigating data warehouses, utilizing BI tools (Looker, Hex), and working with data science teams to optimize segmentation strategies
- Experience operating in a high-growth Fintech or modern banking environment
- Exceptional executive communication skills with the ability to present complex risk metrics to C-suite leadership and external banking partners
Bonus Points:
- Experience implementing AI-assisted collections outreach and modern CRM/collections software ecosystems
- Deep understanding of the startup/venture-backed business ecosystem and the unique cash-flow dynamics of early-stage companies