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Addi is a leading fintech platform in Colombia providing banking solutions (deposits, payments, unsecured credit) and commerce services. The company serves over 2 million customers and 20,000+ merchants, operates as a regulated bank, and has achieved profitability. It is backed by top-tier investors including Andreessen Horowitz, Goldman Sachs, and Union Square Ventures.
You will lead Addi's Capital Markets Analytics & Reporting function with end-to-end ownership of covenant monitoring, debt and cash forecasting, and pre-launch funding viability assessments for new products and credit facilities. You will act as an independent risk-mitigating counterpart to CMO Servicing as the company expands its funding infrastructure.
Key responsibilities include:
- Achieve 100% timely, accurate sign-offs on servicing reports and covenant compliance across all active debt facilities (GS, VPC, BBVA, Citi, JPM) by establishing independent automated verification protocols, with zero unflagged breaches or lender audit observations within 6 months.
- Reduce cash/liquidity forecast variance to within ±3% by redesigning CMO's rolling cash flow and dynamic borrowing base models, optimizing capital allocation and liquidity visibility over 12 months.
- Ensure 100% capital efficiency and covenant readiness for product launches by establishing structured pre-launch funding viability assessments with New Money and Product teams.
- Build a high-performing analytics team within 6 months by hiring, onboarding, and mentoring 2 Senior Business Analysts, establishing clear career pathways and 80% operational autonomy.
- Streamline onboarding and operational readiness for new credit facilities by driving analytical alignment across Finance, Risk, Legal, and Lenders.
You will work in a conscious company culture driven by deep experience in scaling technology, services, and products, with values centered on ownership and impact.
REQUIREMENTS (MUST HAVE):
- Proven track record driving capital markets and structured finance analytics with 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.
- Ability to analyze complex, loan-level financial data to identify trends, mitigate covenant exposure, and drive strategic capital allocation decisions.
- Experience navigating accounting practices and regulatory constraints in high-growth credit ecosystems with speed and precision.
- Advanced SQL execution and large-scale data analysis skills: write and audit complex SQL queries against massive loan-level datasets (Snowflake/Databricks) to validate data pipelines and guarantee data integrity.
- Hands-on querying expertise combined with advanced Excel/Sheets financial modeling to audit data pipelines without requiring full data science overhead.
- Ability to translate raw multi-table database extracts into clean, executive-ready financial models and analytical reports.
- Strong capabilities in AI-driven automation and risk oversight: identify and execute high-impact opportunities where AI/LLM-based automation replaces manual overhead; direct senior analysts in building and deploying automated monitoring/reporting agents while enforcing human-in-the-loop review protocols; apply zero-failure risk mindset to validate AI-generated outputs.
- Experienced in high-stakes stakeholder management and executive communication: communicate complex financial concepts, risks, and facility performance clearly to executive leadership and international institutional lenders.
- Full professional English proficiency to lead technical, legal, and operational conversations across global credit markets.
- Solid expertise in maintaining zero-failure risk mindset and detail-oriented ownership: treat every lender report, covenant check, and data feed with extreme rigor; maintain independent control perspective over execution teams.
PREFERRED:
- Track record of leading and developing analytical talent: recruit, mentor, and retain top-tier business analysts (2+ direct reports); establish clear operational ownership, quality standards, and career pathways; foster culture of extreme ownership, continuous technical learning, and operational autonomy.
