Credit Risk Manager

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, grow together and where we create abundance and generate pride in them. Today, we serve over 2 million customers and partner with more than 20,000 merchants, making Addi Colombia’s 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 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

Lead a functional business area and manage a team of analysts, serving as the critical analytical and strategic link between execution and high-level strategy, while driving growth and profitability by developing, testing, and implementing data-driven strategies for credit risk, customer acquisition, and engagement within your assigned domain.

What you will do

• Achieve a measurable improvement in overall portfolio credit performance by identifying and mitigating key risk drivers, actively overseeing risk trends, and implementing refined acquisition or policy strategies that demonstrably balance growth and risk.

• Design, model, and launch at least one major strategic initiative (e.g., new product terms, pricing model, or customer targeting segment) that drives significant, quantifiable growth in customer acquisition or engagement within your region/function.

• Establish a robust talent development plan for your direct team, resulting in clear growth trajectories, measurable skill improvements (e.g., modeling, SQL mastery), and high retention among high-performing analysts.

• Lead the full lifecycle of a cross-functional business transformation project (e.g., a process automation, a technology integration, or a strategy shift) from defining the problem framework to leading implementation, resulting in a measurable improvement in quality, volume, or profitability.

What we’re looking for

• Demonstrate End-to-End Ownership and a Relentless Drive for Results

• Operate with the mindset of a business owner, taking absolute responsibility for outcomes and displaying an intense focus on achieving goals.

• Be relentless in driving initiatives from initial analysis to measurable results, especially in a fast-paced, entrepreneurial environment.

• Proactively identify business challenges and opportunities, leading the charge to implement solutions without waiting for direction.

Apply Demonstrated Experience in Making Data-Driven Decisions and Solving Problems

• Possess 3+ years of experience in business analysis, with a demonstrated history of solving complex problems through quantitative analysis (minimum of 2 years required).

• Ideally, your background includes at least 2 years focused on retail lending strategy (e.g., credit cards, unsecured loans).

• Experience in a consulting role for 2+ years is a significant advantage.

• Have a proven track record of thriving in a fast-paced, entrepreneurial, and dynamic environment.

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 Leadership and Execution

• Possess impeccable written and oral communication skills, coupled with the ability to strategically influence and gain agreement from colleagues across various functions (IT, Sales, Operations, Finance).

• Showcase the ability to clearly articulate complex analytical findings to non-technical stakeholders and effectively negotiate to drive improvements in quality, volume, and profitability.

• Act as a central leadership node, using strategic influence to gain agreement and ensure all functions are moving in the same direction.

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: Manager Interview + Live Business Case (60 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.