Senior Capital Markets Analyst

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 2 million customers and partner with more than 20,000 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 https://co.addi.com/trabaja-con-nosotros#:~:text=%E2%80%A2%20We%20are%20owners,dentro%20del%20equipo. 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 Optimize and scale Addi’s capital structure by executing sophisticated debt financing strategies that ensure long-term liquidity and lower the cost of funds to fuel rapid regional expansion. You will act as the critical bridge between Addi’s ambitious lending goals and the institutional capital required to fund them, directly impacting the company’s unit economics and valuation. WHAT YOU WILL DO - Achieve On-Time closing rate for new warehouse or securitization facilities by leading the end-to-end due diligence process and coordinating cross-functional responses, ensuring no delays in the funding roadmap. - Improve data accuracy and reporting speed for Lenders through the implementation of automated SQL-based monitoring tools, reducing manual ad-hoc requests and increasing investor confidence. - Execute a seamless "Bank Migration" financial workstream by aligning internal reporting and covenant structures with new regulatory requirements, ensuring zero breaches during the transition period. - Develop high-impact investment committee memos and pitch decks that successfully secure internal C-level buy-in and external term sheets for corporate or private placement facilities. - Maintain compliance on all financial covenants by proactively managing a centralized reporting calendar and conducting monthly stress tests on portfolio performance metrics. WHAT WE’RE LOOKING FOR - Proven expertise in Structured Credit & Capital Markets - 2-3 years of experience in investment banking, boutique advisory, financial institutions, or fintech/startups - Demonstrates deep technical knowledge of warehouse facilities, ABS (Asset-Backed Securities), and revolving credit lines. - Possesses the ability to parse complex credit agreements to identify key operational and financial constraints. Advanced Analytical Rigor & Financial Modeling - Experienced in building robust, error-free Excel models to project cash flows, advance rates, and concentration limits. Strategic Communication & Influence - Track record of effectively "pitching" a company’s credit story to institutional lenders and credit