Capital Markets Operation Lead

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 3.6 million customers and partner with more than 55,000 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

Lead Addi’s 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.

What you will do

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 CMO’s 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.

What we’re looking for

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.