Senior Commercial Credit Risk Analyst

ACCA Careers; Madrid; Presencial; EUR 43.000 - 61.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Medical, dental and vision coverage

Paid time off

Employee Assistance Program

Wellness and travel reimbursement

Travel discounts

IATAN membership

Descripción de la vacante

Expedia Group in Madrid seeks a Senior Commercial Credit Risk Analyst to strengthen financial governance of the credit programme and partner with Sales, Finance, and Operations. You will manage high-value partners and assess risk across multi-currency exposures.

The role requires strong analytical and negotiation skills, experience with large credit limits, and ability to influence senior stakeholders. In-office three days a week in Madrid; travel experience is desirable.

Formación

• 5+ years of experience in credit control, credit risk or corporate finance with large B2B portfolios.
• Ability to interpret financial statements, assess business models and form risk opinions.
• Experience setting or reviewing high credit limits is highly desirable.
• Strong communication and negotiation skills to influence senior stakeholders.
• Resolve complex issues, manage escalations, and think critically with a solutions mindset.
• Excellent relationship-building across functions and cultures.
• High attention to detail and ability to work independently in a fast-paced environment.
• Advanced Excel and adaptability to systems (Power BI, Power Query a plus).
• Experience in business partnering where finance collaborates with commercial teams.
• Knowledge of B2B models, credit insurance, securitisation or collateral management is advantageous.
• English speaker; travel experience desirable.

Responsabilidades

• Lead and manage a portfolio of high-value partners with complex credit arrangements.
• Assess and recommend credit limits through financial analysis of statements.
• Build relationships with major travel partners as finance contact for risk and payments.
• Collaborate with Sales, Product & Tech and Finance to support growth with governance.
• Resolve finance issues impacting receivables and reconciliations.
• Drive negotiations on collateral, payment terms and risk-based decisions.
• Support credit insurance programme and manage coverage gaps.
• Strengthen collections processes and improve forecasting and ageing.
• Evaluate partner financial information ensuring accuracy and compliance.
• Assist Credit Risk Director in updating Credit Management Policies.

Conocimientos

Analytical skills

Communication

Negotiation

Portfolio management

Excel

Power BI

Power Query

Herramientas

Power BI

Power Query

Excel

Descripción del empleo

• Travel experience desirable

At Expedia Group, we help travelers explore the world, one journey at a time. As a global travel company powered by passionate people, trusted partnerships, and leading technology, we connect travelers, partners, and advertisers through our consumer brands, B2B network, and travel advertising business.

Senior Commercial Credit Risk Analyst

This role sits within the B2B Finance Credit team, acting as a key interface between Sales, Commercial Finance, Partner Finance, Accounting and Group Treasury. You will support some of our largest global travel partners and play a central role in strengthening the financial governance of our growing credit programme.

This position will suit a candidate with strong analytical capability, excellent communication and negotiation skills, and proven experience managing large and complex partner portfolios (50M+ credit exposure) as long as small travel businesses. You will be a trusted business partner who can influence senior stakeholders internally and externally, while confidently assessing financial risk and resolving complex issues.

In This Role, You Will

• Lead and manage a portfolio of high-value partners, including complex credit arrangements, significant credit limits and large multi-currency exposures.
• Assess and recommend credit limits through detailed financial analysis, including interpretation of balance sheets, cash flow statements and group structures.
• Build strong, trust-based relationships with major travel partners—acting as their core finance point of contact for risk, payment performance, and commercial discussions.
• Collaborate closely with Sales, Product & Tech and Commercial Finance to support strategic growth while ensuring governance and risk mitigation.
• Resolve complex finance issues involving unallocated cash, disputes, reconciliation gaps, or operational blockers impacting receivables.
• Drive negotiations on collateral, payment terms, and risk-based decisions with large partners, balancing commercial opportunity with financial protection.
• Support our credit insurance programme, with an effective management of coverage gaps.
• Strengthen collections processes and identify opportunities to reduce ageing, improve forecasting accuracy, and optimise partner payment behaviour.
• Evaluate and store partner financial information, ensuring completeness, accuracy and compliance with internal controls.
• Support the Credit Risk Director in developing and updating Credit Management Policies, ensuring they reflect evolving business strategy and risk appetite.

Experience And Qualifications

• 5+ years of experience in credit control, credit risk or corporate finance, with a focus on large B2B portfolios or high-risk accounts.
• Proven ability to interpret financial statements, assess business models and form clear risk opinions.
• Experience setting or reviewing credit limits of high amounts is highly desirable.
• Strong communication and negotiation skills, with the ability to influence senior internal stakeholders and external partners.
• Demonstrated ability to resolve complex issues, and dispute, think critically, and manage escalations with a calm, solutions-driven approach.
• Strong relationship-building skills across functions and cultures.
• High attention to detail and ability to operate independently in a fast-paced, ambiguous environment.
• Advanced Excel skills and strong system adaptability (experience with AI, Power BI Power Query is a plus).
• Experience in business partnering roles or environments where finance must collaborate closely with commercial teams.
• Knowledge of B2B business models, credit insurance, securitisation or collateral management is advantageous.
• English speaker
• Travel experience desirable

Please note that this role is only available in the following locations: Madrid, in alignment with our flexible work model which requires employees to be in-office at least three days a week. We are unable to offer relocation assistance for this role.

The total cash range for this position in Madrid is €43,000.00 to €60,500.00. Employees in this role have the potential to increase their pay up to €69,000.00, which is the top of the range, based on ongoing, demonstrated, and sustained performance in the role.

Starting pay for this role will vary based on multiple factors, including location, available budget, and an individual’s knowledge, skills, and experience. Pay ranges may be modified in the future.

Benefits And Perks

Expedia Group offers benefits and perks designed to support employees and their families, including medical, dental, and vision coverage, paid time off, an Employee Assistance Program, wellness and travel reimbursement, travel discounts, and International Airlines Travel Agent Network (IATAN) membership. Learn more about life at Expedia Group at https://careers.expediagroup.com/life.

Accommodation requests

Expedia Group is committed to providing an inclusive and accessible recruiting experience. If you need an accommodation or adjustment due to a disability during the application or recruiting process, please submit a request at https://expedia.service-now.com/askeg?id=job_accommodation.

About Expedia Group

Expedia Group includes three flagship consumer brands - Expedia, Hotels.com, and Vrbo - along with a leading B2B travel business and travel advertising offerings. Across our brands and business, we help travelers explore the world with confidence and ease.

Important notice

Employment opportunities and job offers at Expedia Group will always come from Expedia Group's Talent Acquisition and hiring teams. Never share sensitive personal information unless you are confident of the recipient. Expedia Group does not extend job offers via email or messaging tools to individuals with whom we have not made prior contact. Our email domain is @expediagroup.com.

Equal Opportunity

Expedia is committed to creating an inclusive work environment with a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, religion, gender, sexual orientation, national origin, disability or age.

For further information, and to apply, please visit our website via the "Apply" button below.