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Senior Credit Finance Partner

accaglobal.com Logo

ACCA

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Location:
Spain , Madrid

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Category:
Finance

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Contract Type:
Not provided

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Salary:

Not provided

Job Description:

Lead finance partnering for major travel partners within a B2B credit environment, acting as the key link between Sales, Commercial Finance, Accounting, and Treasury. Own a complex portfolio with large, multi-currency exposures (often €50M+), strengthening financial governance while enabling commercial growth.

Job Responsibility:

  • 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

Requirements:

  • 5+ years of experience in 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
  • 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
  • English speaker
  • Knowledge of B2B business models, credit insurance, securitisation or collateral management is advantageous
  • Travel experience desirable

Nice to have:

  • Knowledge of B2B business models, credit insurance, securitisation or collateral management is advantageous
  • Travel experience desirable
What we offer:
  • Rewards and benefits that suit your lifestyle
  • exciting travel perks
  • generous time-off
  • parental leave
  • a flexible work model (with some pretty cool offices)
  • career development resources

Additional Information:

Job Posted:
December 26, 2025

Expiration:
January 18, 2026

Work Type:
Hybrid work
Job Link Share:

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