Senior Business Analyst, Lending

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.

Location Type: Remote Employment Type: FullTime

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

Acts as the analytical engine of the Lending team, translating complex data into actionable insights that directly optimize our credit strategies, maximize product profitability, and drive sustainable portfolio growth.

What you will do

• Conduct a comprehensive performance analysis of our current underwriting models, identifying segments with under/over-performance by delivering recommendations that lead reduction in default rates for a target customer segment, without significantly harming approval rates.
• Automate and consolidate key weekly lending performance reports (e.g., originations, portfolio quality, collections) into a single, self-service dashboard
• Drive improvement in the gross margin of a core lending product by building a dynamic unit economics model and owning its insights to guide successful pricing or fee structure adjustments.
• Serve as the single point of accountability for the analytical strategy of major new business initiatives. Define the KPIs, own the measurement framework, and deliver the definitive post-launch analysis that dictates future investment and iteration
• Champion a hypothesis-driven culture by designing and executing a high-impact A/B test that delivers a significant business win.

What we’re looking for

• Possesses a clear and compelling track record of End-to-End Ownership
• Proven experience (2-5+ years) operating in high-velocity environments (like fintech, lending, or consulting) that demonstrates your ability to thrive under pressure and hold direct accountability for commercial results.
• Has experience in highly analytical roles such as business analysis, data analysis, or strategic finance, preferably within fintech, banking, lending, or credit risk consulting
• You operate with the mindset of a business owner, taking absolute responsibility for your domain's performance and your projects' outcomes. You are proactive and relentless, understanding that you are personally accountable for driving initiatives from the initial idea to a measurable business result. The buck stops with you.
• You independently identify a multi-million dollar revenue opportunity or risk in the data.