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QXO

Credit Director: Lead Growth & Risk in Modern Distribution

glendale, AZ

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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.

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Worksite address

glendale, AZ, 85318, US

Who can apply

Review the original listing for work authorization, qualifications and employer requirements.

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