Senior Commercial Credit Risk Analyst

About the Position

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 program.

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 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 program, with effective management of coverage gaps.
• Strengthen collections processes and identify opportunities to reduce aging, improve forecasting accuracy, and optimize partner payment behavior.
• 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.

Requirements

• 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 disputes, 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, securitization, or collateral management is advantageous.
• English speaker
• Travel experience desirable

We Offer

• Competitive salary range of €43,000.00 to €60,500.00 per year.
• Benefits and perks 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.

About the Company

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.

Location: Madrid, Spain

Employment Type: FULL_TIME

Work Location Type: On-site (at least three days a week)

Equal Opportunity: Expedia Group 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.

Learn more about life at Expedia Group: Expedia Group Careers