Credit Risk Analyst

Treasury & Credit Risk Analyst

Location: Istanbul, Turkey (Hybrid)

Department: Treasury & Credit Risk Management

About Pluxee:

Pluxee is a global leading player in employee benefits and engagement solutions. We are looking for an analytical and proactive Treasury & Credit Risk Analyst to join our Treasury & Risk Management team in Istanbul.

This hybrid role will focus on cash flow management and yield optimization while also taking full ownership of credit risk and collection management for a dedicated client portfolio .

Key Responsibilities:

1. Treasury, Cash Flow & Yield Management (Major part)

• Monitor daily cash flow and deposit balances to ensure optimal cash liquidity.
• Perform accurate interest yield calculations across deposit, repo, and money market instruments to maximize corporate interest income.
• Conduct scenario modeling and yield analyses to support treasury strategies.
• Prepare regular treasury, liquidity forecast, and interest income reports for senior leadership.
• Actively participate in Budgeting and re-forecasting activities; build predictive models for cash flows, financial income, and treasury items

2. Credit Risk & Portfolio Management (Minor part)

• Take ownership of a designated client portfolio to manage credit risk, receivables tracking, and collection processes.
• Monitor client risk limits, aging reports, and overdue balances to minimize credit exposure.
• Collaborate closely with internal stakeholders (Sales, Operations) and clients for reconciliations and risk resolution.

Qualifications:

• Bachelor’s degree in Business Administration, Economics, Industrial Engineering, Finance, or a related discipline.
• Min. 3-4 years of experience in Corporate Treasury, Cash Management, Financial Analysis, and/or Credit Risk & Collections.
• Knowledge in cash flow management, interest yield calculations, and money market instruments .
• Hands-on experience in managing client credit risk and receivables portfolios.
• Advanced presentation skills and strong ability to convey complex financial data clearly to stakeholders.
• Fluency in English (both written and spoken) is required for corporate and cross-border reporting.
• Advanced command of MS Excel (financial modeling and formulas).
• Keen interest in AI, RPA, and financial technologies , with a mindset for process automation.
• Strong analytical mindset, good communication, and strong organizational skills.