Credit Analyst

HBX Group is the world’s leading technology 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. We’re headquartered in Palma, Mallorca and employ around 3,500 people worldwide.

JOB DESCRIPTION:
Credit Analyst

Location Palma de Mallorca/Spain

Full Time

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._

You will have the opportunity to work for a company that is going through significant change in becoming the world´s leading travel services provider. We are looking for people that are ready to ride the wave in this exciting journey.

As well as an attractive benefits package you will be able to work:
- Within an innovative, engaging and multicultural environment.- Have the opportunity to build strong and lasting business relationships and friendships from around the world.- Have the opportunity in developing your career locally or within one of our beautiful working locations across the globe.