Senior Business Analyst, Lending

Job description

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

Empowers the Lending team with actionable, data-driven insights to optimize credit risk strategies, enhance product profitability, and drive sustainable portfolio growth.

Acts as the analytical engine behind Addi’s core lending products, ensuring lending decisions are smart, scalable, and commercially sound.

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.
    
    You don't just report it; you build the business case, align all relevant stakeholders (Product, Tech, Finance), and drive the initiative to completion without needing external prompting.
    
    

• Demonstrated mastery of SQL that exhibits deep analytical rigor.
  
  

  • Demonstrated mastery of SQL that exhibits deep analytical rigor.
    
    Track record of writing complex queries from scratch to solve ambiguous business problems.
    
    

  • Your experience should show how you use complex queries not just as a tool, but as your primary method for deconstructing ambiguity, ensuring precision, and upholding a standard of intellectual honesty in every analysis.
    
    

  • You possess an unwavering commitment to finding the truth in the data.
    
    You leverage advanced SQL, statistical methods, and logical reasoning to dissect complex business problems, validate hypotheses with precision, and defend your conclusions with data-backed evidence.
    
    

• Proven ability to serve as a central leadership node in a cross-functional team.
  
  

  • Your background should clearly demonstrate how you have effectively partnered with Product, Engineering, and Operations to align priorities, navigate complexity, and drive projects forward with speed and purpose

  • You independently identify a multi-million dollar revenue opportunity or risk, build the business case, align all relevant stakeholders (Product, Tech, Finance), and drive the initiative to completion without needing external prompting..
    
    

• Outstanding Strategic Problem Solving and Commercial Acumen

  • You think like a business owner, intuitively connecting data insights to the lending P&L.
    
    You understand the trade-offs between growth, risk, and profitability and frame your recommendations in terms of commercial impact

  • You thrive in ambiguity by deconstructing complex challenges into manageable, logical steps.
    
    Crucially, you connect your analytical findings to commercial impact.
    
    

  • Possesses the ability to translate complex analysis into clear, influential narratives to align any audience—from engineers to the C-suite.
    
    You are a central node and use communication to drive action 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: Initial Interview (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: Deep Dive Interview (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: 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.

Required Skill Profession

Inteligencia Empresarial Y Análisis