Financial Engineer

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.

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

Build and scale the integrated financial engine that drives Addi’s banking operations. You will provide the definitive, forward-looking view of capital, liquidity, and earnings to enable high-stakes decisions as we transform Latin America’s financial ecosystem into a more accessible and transparent landscape.

What you will do

• Integrated Model Launch: Design and deploy a fully integrated, 3-statement financial model (P&L, BS, CF) that consolidates all legal entities and reflects real-time intercompany interactions.

• Regulatory Guardrails: Successfully embed Colombian regulatory capital mechanics (encaje, solvencia, IRL) into the core model, achieving 100% accuracy against SFC reporting requirements.

• Reconciliation Framework: Establish a seamless 3-track reconciliation framework (NIIF, IFRS 9, Management Reporting) that explains 100% of provision and tax-effect variances.

• Capital Planning Strategy (Ongoing): Produce monthly "Base vs. Downside" scenario analyses that define capital headroom, serving as the primary quantitative input for the CFO’s capital allocation decisions.

• Operational Efficiency: Reduce the monthly financial forecasting cycle time by 20% through automation or improved model architecture.

What we’re looking for

• Proven Expertise in Banking-Grade Financial Architecture

  • Demonstrates the ability to build and maintain 3-statement models (P&L, BS, CF) where every portfolio movement triggers the correct accounting and cash response.

  • Has a deep understanding of how non-cash items (like provisions) and regulatory constraints (like encaje ) flow through to final distributable earnings.

• Deep Fluency in Colombian Regulatory Capital & Tax Mechanics

  • Possesses a granular understanding of SFC requirements, specifically calculating and forecasting Solvencia , IRL , and CEFEN without relying solely on external advisors.

  • Shows a track record of modeling complex tax dynamics, such as the deductibility of provisions and the optimization of Deferred Tax Assets (DTAs) within a regulated framework.

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.