Credit Director: Lead Growth & Risk in Modern Distribution

QXO; Glendale (AZ); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

401(k) with employer match

Medical, dental, and vision insurance

PTO, company holidays, and parental leave

Paid training and certifications

Legal assistance and identity protection

Pet insurance

Employee assistance program (EAP)

Job summary

A leading building products distribution company located in Glendale, Arizona, is seeking a Credit Director to drive profitable growth and manage credit risk across a portfolio. Key responsibilities include leading a team of Credit Managers, establishing credit strategies, and overseeing credit underwriting decisions. The ideal candidate should have over 10 years of experience in credit and financial risk management, along with strong leadership and analytical skills. Competitive benefits include a 401(k) match, insurance options, and paid training.

Qualifications

• 10+ years of progressive experience in credit, collections, or financial risk management.
• Proven leadership experience managing and developing high-performing teams.
• Deep understanding of accounts receivable management, credit underwriting, and risk assessment.

Responsibilities

• Partner with Sales to support revenue growth while managing credit risk.
• Lead a team of Credit Managers, ensuring performance and alignment with goals.
• Establish and execute credit strategies balancing risk and growth.

Skills

Strong business acumen

Excellent interpersonal skills

Analytical skills

Negotiation skills

Problem-solving skills

Leadership

Education

Bachelor’s degree in Business, Finance, or related field

Tools

Microsoft Office Suite

Credit/ERP systems

Job description

QXO is the fastest growing publicly traded distributor of building products in North America. The company is executing its strategy to become the tech-enabled leader in the $800 billion building products distribution industry and generate outsized value for its shareholders. QXO expects to achieve its target of $50 billion in annual revenues within the next decade through accretive acquisitions and organic growth.

What You'll Do

• Partner closely with Sales and key customers to support revenue growth while maintaining disciplined credit risk management
• Serve as a senior, client-facing leader—building relationships with strategic accounts and resolving complex credit issues
• Establish and execute credit strategies, policies, and procedures that balance risk and growth
• Lead, coach, and develop a team of Credit Managers, ensuring strong performance, consistency, and alignment with company goals
• Oversee credit underwriting decisions, including large or complex transactions and exceptions to policy
• Monitor and manage overall accounts receivable performance, including DSO, delinquency trends, and bad debt
• Drive proactive risk assessment and ensure timely updates to customer credit profiles
• Lead negotiations on high-risk or delinquent accounts to minimize losses and preserve customer relationships
• Oversee third-party collections, legal escalations, lien/bond processes, and bankruptcy activities
• Deliver regular reporting and insights to senior leadership on credit performance, risk exposure, and portfolio health
• Partner cross-functionally with Finance, Sales, Operations, and Legal to support scalable growth
• Champion process improvements, systems enhancements, and best practices across the credit function
  
  

What You'll Bring

• 10+ years of progressive experience in credit, collections, or financial risk management
• Proven leadership experience managing and developing high-performing teams (including managing managers)
• Strong business acumen with the ability to balance risk management and commercial growth objectives
• Excellent interpersonal and communication skills, with a demonstrated ability to influence both internal stakeholders and external customers
• Experience working in a client-facing capacity and partnering closely with Sales teams
• Deep understanding of accounts receivable management, credit underwriting, and risk assessment
• Experience in manufacturing, retail, construction or related industry a plus
• Working knowledge of accounting and finance principles; familiarity with lien and bond processes is a plus
• Strong analytical, negotiation, and problem-solving skills
• Proficiency in Microsoft Office Suite and credit/ERP systems
• Bachelor’s degree in Business, Finance, or a related field preferred
• Willingness to travel occasionally for customer and business needs
  
  

What you'll earn

• 401(k) with employer match
• Medical, dental, and vision insurance
• PTO, company holidays, and parental leave
• Paid training and certifications
• Legal assistance and identity protection
• Pet insurance
• Employee assistance program (EAP)
  
  

QXO is an Equal Opportunity Employer. We value diversity and do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected status.