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.