Credit Analyst
Location Palma de Mallorca/Spain
Temporary contract
About Us
HBX Group is the world’s leading technological partner, connecting and empowering the world of travel. We’re game-changers, disruptors, the people who bring together local and global brands in accommodation, transport, activities and payments through our network of 300,000 hotels worldwide, 60,000 hard-to-reach high-value clients such as tour operators, travel agents and loyalty schemes across 140 source markets. We are tech-driven, with a customer-first philosophy, and commercial teams whose knowledge and relationships on the ground are second to none. And of course, we have an amazing team! Our people, Team HBX Group, are the beating heart of the company who we encourage to ‘move fast, dream big and make the difference’ every day. In fact, we believe that it is tech + data + people that truly sets us apart in the market, alongside our ‘global approach, local touch’ mentality.
Job Summary:
We are seeking a highly analytical and detail-oriented Credit Analyst to support the implementation of our regional credit management strategy. This role is key to evaluating financial risk, supporting corporate finance operations, and ensuring a balanced approach between commercial growth and credit control. You will work closely with internal teams and external clients to assess creditworthiness, manage risk, and contribute to sustainable business growth.
Responsibilities:
* Support the implementation of regional credit management strategies.
* Analyze customer financial data to assess credit risk and recommend appropriate credit limits.
* Monitor and report on credit exposure and payment behavior.
* Collaborate with commercial teams to balance trading needs with risk mitigation and cash generation.
* Assist in negotiations with online business clients, where entry barriers are low and competition is high.
* Evaluate the impact of credit decisions on trading performance.
* Contribute to corporate finance operations and reporting.
* Maintain accurate records and documentation of credit assessments and decisions.
Skillset and Experience Required:
* Team Collaboration: Ability to work effectively within a team and build strong working relationships.
* Analytical Thinking: High analytical approach to work and decision-making.
* Organizational Skills: Strong planning and time management capabilities.
* Negotiation: Proven negotiation skills in high-pressure environments.
* Results-Driven: Focused on achieving measurable outcomes.
* Accounting Principles: Solid understanding of accounting fundamentals.
* Tech Proficiency: Advanced user of Microsoft Excel and PowerPoint.
* Language Skills: Fluent in written and spoken English.
* Experience:
* Minimum 2 years in finance roles.
* Experience in dynamic, high-pressure environments with tight deadlines.
At HBX Group, we believe that diversity drives innovation and makes travel a force for good.
We're committed to creating an inclusive workplace where everyone feels valued and respected, embracing different backgrounds, perspectives and talents. Join us and be part of a team where diversity and equal opportunities really do make a difference.