Finance Risk Specialist

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

Build infrastructure for financial risk management by designing and implementing frameworks and processes to identify, measure, monitor, and manage market, liquidity, and interest rate risks, ensuring regulatory readiness, informed decision-making, and a disciplined approach to managing financial risks.

What you will do

1. Design and implement the bank’s initial market risk and interest rate risk in the banking book (IRRBB) measurement framework and deliver analysis and recommendations to inform ALCO decisions

2. Create and operationalize a comprehensive monitoring framework and an alerts system based on the bank's risk appetite framework to ensure timely and accurate decisioning.

3. Ensure the timely preparation of both internal and external reports regarding financial risks.

4. Develop and deliver all documentation and tools required for regulatory compliance during regulatory approval process and during normal course of business after launch.

What we’re looking for

• Proven experience building Risk Policies & Frameworks:

  • 4+ years in financial risk, treasury, ALM, or balance sheet management roles within banking or financial institutions.

  • Experience building or significantly evolving risk frameworks and tools in a regulated entity.

  • Skilled at building governance documents and controls from scratch (policies, manuals, risk appetite statements, etc.).

  • Direct exposure to regulatory reviews or inspections by financial regulators.

  • Hands-on experience implementing stress testing frameworks and measuring all relevant financial risk management metrics, including VaR, IRL, CFEN, Delta EVE and Delta NII .

• Demonstrates a profound Financial risk understanding of market risk, liquidity risk, and banking book interest rate risk (IRRBB)

  • Ability to understand complex financial instruments and balance sheet exposures, applying appropriate risk measurement techniques (e.g., VaR, duration, gap analysis, stress testing).

  • Exhibits a forward-looking approach to identifying potential financial risks and developing effective, practical mitigation strategies before they significantly impact the business.

  • Proficiency in modeling and quantifying risk exposures using tools like gap analysis, stress testing, VaR, and liquidity metrics (IRL, CFEN).

• Possesses strong Quantitative & Analytical Acumen

  • Ability to design and implement stress scenarios that account for macro, market, and company-specific risk factors.

  • Have solid financial modeling, statistical analysis, and data interpretation skills.

  • Makes decisions that balance growth and resilience in the face of incomplete information and emerging risks.

  • Advanced skills in Excel, SQL, and quantitative tools (e.g., Python, R, Power BI).

• Regulatory Proficiency and Knowledge (Colombian Fintech/CF Context):

  • Strong grasp of Colombian financial regulations (e.g., Circular Básica Contable y Financiera from Superfinanciera), and international frameworks (Basel III, among others).

  • Maintains up-to-date knowledge of Colombian financial regulations pertaining to market, liquidity, and interest rate risk for Establecimientos de Crédito.

  • Will ensure all risk frameworks, policies, and reports align with local regulatory requirements and anticipate changes in the regulatory landscape.

• Outstanding Clear Communication & Reporting skills:

  • Articulates complex risk concepts, analyses, and recommendations clearly and concisely, both verbally and in writing, to diverse audiences including senior leadership and technical teams.

  • Has prepared and presented comprehensive risk reports, explaining model outputs effectively, and contributing constructively to risk governance decisions

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 (45 min)
  A more in-depth conversation with the hiring manager, where we explore your skills, experience, and problem-solving approach. We want to understand how you think and work.

• Step 3: Technical assessment (30 min)
  A session to assess your skills using SQL, one of our team members will ask you to solve different exercises using your SQL experience

• Step 4: Deep Dive Interview (30 min)
  You'll meet future colleagues and cross-functional team members to get a feel for how we work together. We’re looking for strong contributors and cultural fits, so bring your questions, too!

• Step 5: Case Study (3-5 Days)
  You may receive a real-world challenge or case study to complete. This is a chance to showcase your expertise and how you approach key problems relevant to the role.

• Step 6: Co-Founder Interview
  If there’s a strong match, you’ll have a final conversation with our Founder to align on expectations, cultural fit and ensure mutual excitement. From there, we’ll move quickly to an offer and discuss next steps.

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.