Senior Commercial Credit Risk Analyst

About the role

Expedia Group is looking for a Senior Commercial Credit Risk Analyst for its B2B Finance Credit team in Madrid. The role acts as a key link between Sales, Commercial Finance, Partner Finance, Accounting and Group Treasury, supporting some of the company's largest global travel partners and strengthening the financial governance of its growing credit programme. It suits someone with strong analytical skills, good communication and negotiation abilities, and experience managing large, complex partner portfolios (over 50 million in credit exposure).

Key responsibilities

• 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 balance sheets, cash flow statements and group structures.
• Act as the core finance point of contact for major travel partners on risk, payment performance and commercial discussions.
• Work with Sales, Product & Tech and Commercial Finance to support growth while ensuring governance and risk mitigation.
• Resolve complex finance issues such as unallocated cash, disputes, reconciliation gaps and operational blockers affecting receivables.
• Negotiate collateral, payment terms and risk-based decisions with large partners.
• Support the credit insurance programme, strengthen collections and reduce ageing.
• Evaluate and store partner financial information accurately and in line with internal controls.
• Help the Credit Risk Director develop and update Credit Management Policies.

Required profile

• 5+ years of experience in credit control, credit risk or corporate finance, focused 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 high-value credit limits is highly desirable.
• Strong communication, negotiation and relationship-building skills, and the ability to influence senior stakeholders.
• Ability to resolve complex issues and manage escalations calmly.
• Attention to detail and ability to work independently in a fast-paced, ambiguous environment.
• English speaker; travel experience desirable.
• Knowledge of B2B business models, credit insurance, securitisation or collateral management is advantageous.

Required skills

• Advanced Excel.
• Strong system adaptability; experience with AI, Power BI and Power Query is a plus.
• Experience in business partnering roles where finance works closely with commercial teams.

What we offer

• Cash range of 43,000 to 60,500 EUR in Madrid, with potential to reach 69,000 EUR based on sustained performance.
• Medical, dental and vision coverage, paid time off, Employee Assistance Program, wellness and travel reimbursement, travel discounts and IATAN membership.
• Flexible work model requiring at least three days a week in the office; no relocation assistance offered.