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 every day.
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.
Protect Addi’s profitability and scalability by designing and deploying high-precision Credit Risk and Fraud models, while bridging the gap between traditional risk modeling and cutting-edge AI, building the automated systems that decide who to lend to and how to stop bad actors, while researching LLM applications to redefine the credit lifecycle.
Develop and Implement ML Models: Participate actively in the entire ML model lifecycle—from business definitions to design, development, implementation, and monitoring. Work with cross-functional teams to ensure models meet both technical and business requirements.
Manage Data Pipelines and Model Deployment: Collaborate with Data and Engineering teams to design and optimize data pipelines that support seamless model deployment to production. Ensure models are integrated properly, scalable, maintainable, and monitored in live environments.
Monitor and Evaluate Model Performance: Continuously monitor performance and stability of production scores. Define success metrics, build evaluation methods (offline + online), and iterate to improve quality and reduce regressions.
Conduct A/B Testing and Experimentation: Design and execute experiments (A/B tests, holdouts, phased rollouts) to validate the impact of models and strategies on business metrics. Analyze results to guide prioritization and continuous improvement.
Collaboration and Knowledge Sharing: Work closely with interdisciplinary cross-functional teams (Risk, Fraud, Product, Engineering) to translate data insights into business-actionable strategies.
Innovate and Explore AI/LLM Applications: Research and prototype new AI/LLM techniques for Lending—including applications like document processing, automated credit analysis support, fraud pattern recognition, and conversational tools. Stay curious and bring innovative ideas to the team.
Improve Processes: Continuously propose ML techniques, algorithms, or tools that enhance Addi's customer understanding and risk management.
Proven Technical Tenure in Data Scientist in Lending
3+ years of full-time technical experience specifically in Data Science for Credit Risk or Fraud.
Demonstrated history of delivering production-ready systems in a high-growth startup or fintech environment.
Bachelor’s degree in a highly quantitative field (Mathematics, Statistics, Physics, Engineering, or Computer Science).
Demonstrated ability to apply advanced mathematics and sampling techniques to solve real-world financial problems.
Has Solid Proficiency in Modern Data Tooling
Mastery of SQL for data management and Python (pandas, scikit-learn, xgboost) for advanced modeling and analysis.
Experienced in working with semi-structured data and using Git/GitHub for professional code reviews and collaborative development.
Experienced in End-to-End Model Deployment
Track record of taking models from initial business definition through to "live" environment monitoring and iteration.
Proven ability to diagnose system failures and regressions in production environments.
Proven Experience in Lending & Fraud Modeling
Demonstrates deep expertise in building supervised models for regression and classification specifically for Credit Scoring and Fraud Detection.
Has a solid grasp of Colombian regulatory frameworks (e.g., provisioning and SARLAFT) and how they influence model design and documentation.
Possesses Strong Statistical & Experimental Foundations
Ability to design and execute rigorous A/B tests and hypothesis testing to validate the business impact of risk strategies.
Mastery of model interpretability techniques (e.g., SHAP, LIME) to ensure "black box" models are transparent to stakeholders and regulators.
Demonstrates Ability to Build Full-Stack ML Pipelines
Skilled in collaborating with Engineering to design and optimize data pipelines that support seamless, scalable model deployment.
Expert at building evaluation frameworks that include both offline performance indicators and online production monitoring.
Track Record of Innovative AI/LLM Research
Displays a genuine "learning mindset" by actively researching and prototyping how LLMs can solve lending-specific problems like automated document analysis.
Ability to translate "hype" into practical, production-ready applications with clear quality and cost guardrails.
Communicates Technical Complexity with Influence
Varying the delivery of complex technical concepts so they are digestible for senior leadership, directly influencing high-stakes credit policy decisions.
Actively seeks cross-functional feedback from Risk, Fraud, and Product teams to ensure models are "business-actionable."
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 financia
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