Fraud Manager

About Addi

We are a leading financial platform building the future of payments shopping and bankinga world where consumers and merchants can transact effortlessly grow together and where we create abundance and generate pride in them. Today we serve over 2 million customers and partner with more than 20000 merchants making Addi Colombias fastest-growing marketplace.

We provide banking solutions (deposits payments unsecured credit) and commerce services (e-commerce marketing) using state-of-the-art technology 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.

About the Role

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.

Whats the mission youll drive

Protect Addis profitability and customer trust by leading the fraud strategy and a team of analysts to identify deconstruct and mitigate fraudulent patterns. You will serve as the strategic link between complex data forensics and executive decision-making ensuring that fraud prevention is a competitive advantage that enables seamless customer acquisition.

What you will do

• Reduce Fraud Loss Rate identifying key fraud drivers through deep-dive SQL analysis and implementing real-time mitigation rules that balance risk with conversion.

• Optimize False Positive Ratios through the refinement of decision engines and model thresholds ensuring that legitimate customers experience zero friction during their journey.

• Deploy at least two Major Anti-Fraud Initiatives (e.g. identity verification upgrades behavioral biometrics or new machine learning features) from problem framework to full implementation resulting in measurable OpEx savings or loss reduction.

• Establish a High-Performance Fraud Analytics Pod by creating a talent development plan that increases the teams technical mastery (SQL Python Modeling) and business acumen maintaining high retention of top talent.

• Build a Real-Time Fraud Reporting Ecosystem that provides executive-level visibility into emerging trends ensuring that the company can pivot strategies within 24-48 hours of a detected attack.

What were looking for

• Demonstrate Defensive Ownership and Crisis Resilience

  • Operate with the mindset of a Risk Guardian taking absolute responsibility for the Fraud Loss P&L and maintaining an intense focus on minimizing financial leakage.

  • Be relentless in driving Detection-to-Action cycles ensuring that once a fraud pattern is identified it is mitigated in hours not weeks especially in an agile fintech environment.

  • Proactively identify security gaps in the user journey and product features leading the charge to implement friction or blocks without waiting for a formal request.

  Apply Analytical Problem-Solving with a Focus on Forensics and Credit Risk

  • Possess 3 years of experience in high-impact analytical roles; while a Fraud background is a plus experience in Credit Risk or Strategic Consulting is essential to understand the trade-offs of lending.

  • Demonstrated history of deconstructing attacks or losses into root causes through quantitative analysis (minimum of 2 years in data-heavy roles).

  • Proven track record of thriving under the pressure of active attacks where decisions must be made quickly with high accountability

  Exhibit Exceptional Analytical Rigor to Deconstruct Ambiguity

  • Consistently use rigorous data-driven analysis to solve complex business challenges and identify opportunities seamlessly blending conceptual thinking with a strong quantitative approach especially in managing credit risk.

  • Have the ability to translate ambiguous business problems into clear analytical frameworks leading to actionable recommendations supported by robust data.

  • Maintain an unwavering commitment to finding the truth in data using rigorous quantitative analysis to solve complex business challenges.

  • Demonstrate mastery of SQL writing complex queries from scratch to deconstruct ambiguity and validate hypotheses with precision.

  Possess Strong Commercial Acumen Connecting Analytical Insights to Business Profitability

  • Be a decisive and tenacious decision-maker who brings a healthy aggressive yet responsible approach to the business acting as the guardian of credit quality and risk appetite.

  • Have experience making tough credit policy decisions that balance growth with risk even in fluid or uncertain situations.

  • Intuitively connect data insights to the lending P&L consistently framing your recommendations in terms of their commercial impact.

  Excel at Cross-Functional Influence and Technical Execution

  • Possess impeccable communication skills to articulate The Why behind fraud controls to non-technical stakeholders (Sales Finance Operations) and executives.

  • Act as a Central Node of Protection using strategic influence to ensure Product and IT prioritize anti-fraud infrastructure in the roadmap.

  • Showcase the ability to negotiate and align different functions to ensure the company moves in a unified direction against external threats while maintaining operational efficiency.

Why join us

• 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.

How the hiring process looks like

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: Manager Interview Live Business Case (45 min)
  A more in-depth conversation with a Business Manager where we explore your skills experience and a problem-solving exercise. We want to understand how you think and work.

• Step 3: Director Interview Live Business Case (60 min)
  You will meet our Director of lending to discuss real scenarios to assess your analytical thinking operational judgment under pressure and ability to act autonomously to tackle business issues and drive timely decisions.

• Step 4: Stakeholder Interview (30 min)

  A conversation with the Chief Credit Officer to Assess your ability to negotiate and drive initiatives to improve business metrics.

• Step 5: Co-Founder Interview (30 min)
  The final step is a conversation with our Co-founder. This is a chance to connect directly with one of our founders and have a high-level discussion about our values our mission and the exceptionally high bar we set for talent at Addi.

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.

Required Experience:

Manager