Capital Markets Operation Lead

We are a leading financial platform building the future of payments shopping and bankinga world where consumers and merchants can transact effortlessly and grow together. Today we serve over 3.6 million customers and partner with more than 55000 merchants making Addi Colombias fastest-growing marketplace.

With a state-of-the-art technology-first approach we provide banking solutions (deposits payments unsecured credit) and commerce services (e-commerce marketing) bridging the financial gap for millions and redefining how people experience financial freedom. As the countrys leading Buy Now Pay Later provider we have secured regulatory approval to operate as a bank unlocking even greater opportunities for our the past year we have also achieved profitability reinforcing the strength of our business model and our ability to scale sustainably.

Our mission has earned the trust of world-class investors including Andreessen Horowitz Architect Capital GIC Goldman Sachs Greycroft Monashees Notable Capital Quona Capital Union Square Ventures Victory Park Capital and more who back our vision for the future. With their support we are not just growingwe are transforming Latin Americas financial ecosystem and shaping the next generation to shop pay and bank in Colombia.

But what truly sets us apart is how we build. We are a conscious company driven by deep experience in scaling technology services and products and we live by our values every day.

This is where you come in. Below youll find what this role is all aboutthe impact youll drive the challenges youll tackle and what it takes to thrive at Addi. If youre ready to be part of something big keep reading.

Lead Addis Capital Markets Analytics & Reporting function by taking end-to-end ownership of covenant monitoring debt and cash forecasting and pre-launch funding viability assessments for new products and credit facilities. Elevate operational precision by scaling a high-performing two-person analyst team and embedding AI-driven automation into reporting workflows acting as an independent risk-mitigating counterpart to CMO Servicing as Addi expands its funding infrastructure.

• Achieve 100% timely accurate sign-offs on servicing reports and covenant compliance across all active debt facilities (GS VPC BBVA Citi JPM GS FF) by establishing independent automated verification protocols resulting in zero unflagged breaches or lender audit observations within the first 6 months.

• Reduce cash/liquidity forecast variance to within 3% by redesigning and continuously refining CMOs rolling cash flow and dynamic borrowing base models resulting in optimized capital allocation and enhanced liquidity visibility over the next 12 months.

• Ensure 100% capital efficiency and covenant readiness for product launches by establishing structured pre-launch funding viability assessments in partnership with New Money and Product teams delivering impact assessments for all new products within the agreed-upon SLA.

• Build a high-performing analytics team within 6 months by hiring onboarding and mentoring 2 Senior Business Analysts resulting in clear career pathways and 80% operational autonomy across daily reporting workflows.

• Streamline onboarding and operational readiness for new credit facilities by driving analytical alignment across Finance Risk Legal and Lenders ensuring 100% compliance readiness prior to facility activation.
  

Proven track record of driving capital markets and structured finance analytics (MUST HAVE)

• Demonstrates deep expertise in borrowing base mechanics debt facility structuring and complex covenant frameworks across warehouse and structured debt facilities in asset-heavy fintech or banking environments.

• Analyzes complex loan-level financial data to identify trends mitigate covenant exposure and drive strategic capital allocation decisions.

• Navigates accounting practices and regulatory constraints in high-growth credit ecosystems with speed and high precision.

Demonstrates ability to execute advanced SQL and large-scale data analysis (MUST HAVE)

• Writes and audits complex SQL queries against massive loan-level datasets (Snowflake/Databricks) to validate data pipelines and guarantee absolute data integrity.

• Combines hands-on querying expertise with advanced Excel/Sheets financial modeling to audit data pipelines without requiring full data science overhead.

• Translates raw multi-table database extracts into clean executive-ready financial models and analytical reports.

Possesses strong capabilities in AI-driven automation and risk oversight (MUST HAVE)

• Identifies and executes high-impact opportunities where AI/LLM-based automation replaces manual overhead across covenant monitoring and forecasting workflows.

• Directs senior analysts in building and deploying automated monitoring/reporting agents while enforcing strict human-in-the-loop review protocols.

• Applies a zero-failure risk mindset to evaluate and validate AI-generated outputs before they reach external institutional lenders or senior leadership.

Track record of leading and developing analytical talent (PREFERRED)

• Recruits mentors and retains top-tier business analysts (2 direct reports) establishing clear operational ownership quality standards and career pathways.

• Fosters a culture of extreme ownership continuous technical learning and operational autonomy across daily reporting workflows.

Experienced in high-stakes stakeholder management and executive communication (MUST HAVE)

• Communicates complex financial concepts risks and facility performance clearly to executive leadership and international institutional lenders.

• Demonstrates full professional English proficiency to lead technical legal and operational conversations across global credit markets.

Has solid expertise in maintaining a zero-failure risk mindset and detail-oriented ownership (MUST HAVE)

• Treats every lender report covenant check and data feed with extreme rigor recognizing that reporting errors carry real structural and legal exposure.

• Maintains an independent control perspective over execution teams ensuring uncompromising accuracy across all recurring compliance processes.

• Work on a problem that truly matters We are redefining how people shop pay and bank in Colombia breaking down financial barriers and empowering millions. Your work will directly impact customers lives by creating more accessible seamless and fair financial services.

• Be part of something big from the ground up This is your chance to help shape a company influencing everything from our technology and strategy to our culture and values. You wont just be an employeeyoull be an owner

• Unparalleled growth opportunity The market were tackling is massive and were growing faster than almost any fintech lender at our stage. If youre looking for a high-impact role in a company thats scaling fast this is it.

• Join a world-class team Work alongside top-tier talent from around the world in an environment where excellence ownership and collaboration are at the core of everything we do. We care deeply about what we build and how we build itand we want you to be a part of it.

• Competitive compensation & meaningful ownership We believe in rewarding our talent. Youll receive a generous salary equity in the company and benefits that go beyond the basics to support your growth.

We believe in a fast transparent and engaging hiring experience that allows both you and us to determine if theres a great fit. Heres what our process looks like:

• Step 1: People Interview (30 min)
  A conversation with a recruiter to get to know you your experience and what youre looking for. Well also share more about Addi our culture and the role.

• Step 2: Initial Interview (45 min)
  A more in-depth conversation with our Capital market manager where we explore your skills experience and problem-solving approach. We want to understand how you think and work.

• Step 3: Live business case (60 min)
  . A hands-on session designed to assess your analytical thinking and how you work with AI in your day-to-day. Well explore your SQL skills through a live exercise.

• Step 4: Deep dive interview (45min)

  Youll meet future colleagues and cross-functional team members to get a feel for how we work together. Were looking for strong contributors and cultural fits so bring your questions too!

• Step 6: Co-Founder Interview (30 min)
  If theres a strong match youll have a final conversation with our Founder to align on expectations cultural fit and ensure mutual excitement. From there well move quickly to an offer and discuss next steps.

We value efficiency and respect for your time so we aim to complete the process as quickly as possible. Our goal is to make this experience insightful and exciting for you just as much as it is for us. Regardless of the outcome we are committed to always providing feedback ensuring that you walk away with valuable insights from your experience with us.