About Credix

Credix is a FinTech company dedicated to growing businesses in Latin America. Building on our expertise, we now focus on providing a tailored Buy Now, Pay Later (BNPL) solution for B2B transactions in Brazil with our platform, CrediPay. CrediPay is created to help business grow their sales and improve their cashflow efficiency through seamless and risk-free credit offering. Sellers offer their buyers flexible payment terms at an attractive price point and receive upfront payments. We manage and protect our clients from any credit & fraud risk, letting them focus only on what matters: increased sales and profitability.

Learn more about our team, culture, and vision on our company page.

Why choose Credix?

• Become part of a forward-thinking start-up where boldness and a commitment to excellence are paramount, and your personal and professional development is at the forefront.
• Work alongside a dedicated team of bright individuals driven by an Olympian mindset to excel in every aspect of our operations. Together, we aim to build with velocity, utilizing innovative embedded finance strategies to expand business operations in Latin America.
• Experience a close and supportive work atmosphere where collaboration thrives, wise judgment guides our decisions, and where you have the opportunity to learn, grow, and take on meaningful responsibilities.

About the job

As our Treasury Analyst you will be the financial engine behind Credix's growth. You will ensure disciplined cash management, optimal allocation of treasury capital, and robust operational support for the FIDC — making treasury a zero-surprise, high-performance function. Beyond operations, you will play a strategic role in enabling new financial products by providing the close monitoring of disbursements and collateral management that these products demand, while co-owning the definition of Credix's SEC liquidity policy. You will report to the Head of Finance.

Qualifications

• Treasury & Investment Management: Ability to assess and execute short-to-medium term investments across fixed income instruments, optimising for yield within defined risk limits.

• Cash Flow Modelling: Strong spreadsheet skills for building and maintaining multi-scenario short-term cash forecasts.

• FIDC Mechanics: Deep understanding of FIDC capital structure, capital calling processes, bordero flows, and settlement reconciliation.

• Collateral Management: Familiarity with collateral monitoring frameworks, margin calls, and eligibility criteria for structured credit products.

• Brazilian Payment Infrastructure: Solid understanding of domestic payment rails (TED, PIX, boleto) and settlement flows in a regulated financial environment.

• Disbursements Monitoring: Ability to track and analyse disbursement flows, identify bottlenecks, and escalate proactively.

• Excel / Google Sheets at advanced level; SQL is a plus.

• Precision Under Pressure: Zero tolerance for errors in transfers and reconciliations; thrives in a structured daily ops rhythm.

• Structured Communication: Clear escalation instincts — you know what to resolve independently and what requires immediate alignment with leadership.

• Process Builder: Actively documents recurring processes and builds runbooks so that nothing lives only in someone's head.

• Intellectual Curiosity: Proactively seeks to understand the financial and structural rationale behind each treasury and capital markets flow.

• Ownership: Treats treasury as a product to be continuously improved, not a task list to be cleared.

• Strategic Mindset: Sees beyond daily operations to understand how treasury efficiency directly drives business growth.

• Cross-Functional: Comfortable operating at the intersection of Engineering, Capital Markets, Risk, and GTM.

Responsibilities

• Optimal Treasury Allocation: Actively manage Credix's treasury to maximise risk-adjusted yield, balancing liquidity needs against investment opportunities within approved parameters.
• Cash Visibility: Maintain accurate short-term cash forecasting (daily/weekly) so the business never faces a liquidity surprise.
• FIDC Capital Efficiency: Execute timely capital calls and monitor FIDC capacity to ensure disbursements are never blocked by capital constraints.
• New Product Enablement: Provide the disbursement monitoring and collateral management framework required to safely launch and scale new financial products.

What we Offer

• SEC Liquidity Policy: Co-define the normalised liquidity buffer policy for the SEC and monitor compliance on an ongoing basis.
• Seller Onboarding Support: Prepare financial materials and treasury inputs required for onboarding new sellers across capital markets workflows.
• Reconciliation Integrity: Own weekly cash reconciliation across all accounts and FIDC positions with zero tolerance for unexplained variances.

We believe that collaboration and team spirit thrive best in an in-office environment. Our office provides a vibrant and engaging workspace where team members can connect, innovate, and grow together. With access to our offices in Sao Paulo or Antwerp, you'll immerse yourself in a culture of innovation and collaboration.