Capital Markets Analyst

About Addi

We are a leading financial platform, building the future of payments, shopping, and banking—a world where consumers and merchants can transact effortlessly and grow together. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s 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 country’s leading Buy Now, Pay Later provider, we have secured regulatory approval to operate as a bank, unlocking even greater opportunities for our customers. In 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 growing—we are transforming Latin America’s 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, you’ll find what this role is all about—the impact you’ll drive, the challenges you’ll tackle, and what it takes to thrive at Addi. If you’re ready to be part of something big, keep reading.

What’s the mission you’ll drive

Optimize and scale Addi’s capital structure by executing sophisticated debt financing strategies that ensure long-term liquidity and lower the cost of funds to fuel rapid regional expansion. You will act as the critical bridge between Addi’s ambitious lending goals and the institutional capital required to fund them, directly impacting the company’s unit economics and valuation.

What you will do

• Achieve On-Time closing rate for new warehouse or securitization facilities by leading the end-to-end due diligence process and coordinating cross-functional responses, ensuring no delays in the funding roadmap.

• Improve data accuracy and reporting speed for Lenders through the implementation of automated SQL-based monitoring tools, reducing manual ad-hoc requests and increasing investor confidence.

• Execute a seamless "Bank Migration" financial workstream by aligning internal reporting and covenant structures with new regulatory requirements, ensuring zero breaches during the transition period.

• Develop high-impact investment committee memos and pitch decks that successfully secure internal C-level buy-in and external term sheets for corporate or private placement facilities.

• Maintain compliance on all financial covenants by proactively managing a centralized reporting calendar and conducting monthly stress tests on portfolio performance metrics.

What we’re looking for

• Proven expertise in Structured Credit & Capital Markets

• 2-3 years of experience in investment banking, boutique advisory, financial institutions, or fintech/startups

• Demonstrates deep technical knowledge of warehouse facilities, ABS (Asset-Backed Securities), and revolving credit lines.

• Possesses the ability to parse complex credit agreements to identify key operational and financial constraints.

Advanced Analytical Rigor & Financial Modeling

• Experienced in building robust, error-free Excel models to project cash flows, advance rates, and concentration limits.

Strategic Communication & Influence

• Track record of effectively "pitching" a company’s credit story to institutional lenders and credit committees.

• Demonstrates the ability to translate complex financial structures into clear, actionable insights for non-finance stakeholders.

Exceptional Project Management & "Finisher" Mentality

• Proven ability to manage high-stakes, multi-month due diligence processes involving Legal, Tax, and Credit teams.

• Shows a high degree of resiliency when navigating the ambiguity of a rapidly evolving regulatory environment.

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 won’t just be an employee—you’ll be an owner

• Unparalleled growth opportunity – The market we’re tackling is massive, and we’re growing faster than almost any fintech lender at our stage. If you’re looking for a high-impact role in a company that’s 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 it—and we want you to be a part of it.

• Competitive compensation & meaningful ownership – We believe in rewarding our talent. You’ll 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 there's a great fit. Here’s 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 you're looking for. We’ll also share more about Addi, our culture, and the role.

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

• Step 3: Deep Dive Interviews (30-45 min each)
You'll meet future colleagues and cross-functional team members to get a feel for how we work together. We’re looking for strong contributors and cultural fits, so bring your questions, too!

• Step 4: Live Business Case (60 minutes)
You may receive a real-world challenge or case study to complete. This is a chance to showcase your expertise and how you approach key problems relevant to the role.

• Step 5: Co-Founder Interview
If there’s a strong match, you’ll have a final conversation with our Founder to align on expectations, cultural fit and ensure

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.