Addi Bogota, D.C., Capital District, Colombia 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 every day. What’s The Mission You’ll Drive Develop ML models for Credit and Fraud decisioning, empowering data-driven decisions that enhance Lending capabilities; this includes designing, developing, and deploying cutting-edge models for credit risk assessment and fraud detection, ensuring continuous performance monitoring and retraining as needed. Collaborate with Engineering and Data teams to integrate models seamlessly. Additionally, build scalable data pipelines and feature engineering processes that enhance risk mitigation, profitability, and client understanding across the entire credit lifecycle. What You Will Do Develop and Implement ML Models: As Lending Data Scientist, will be involved into the entire ML model lifecycle, participating actively with cross-functional teams from business definitions to design and development and final ML scores implementation and monitoring. Manage Data Pipelines and Model Deployment: Collaborate with Data and engineering teams to design and optimize data pipelines that support the seamless deployment of the models into production. Ensure that models are integrated properly and can be scaled, maintained and monitored on a live environment. Monitor and Evaluate Model Performance: Continuously monitor performance and stability of production scores, evaluating their impact on business execution and providing insights about new data patterns. Collaboration and Knowledge Sharing: Work closely with interdisciplinary cross-functional teams to design best approaches to translate data insights into business actionable strategies. Innovate and Improve Processes: Continuously innovate by proposing ML techniques, algorithms, or tools that enhance Addi’s customer understanding and risk management. What We’re Looking For Technical expertise: 3+ years of full-time technical experience in data science areas for Lending (Credit or Fraud). Strong knowledge in statistics and mathematics. Expertise in machine learning and advanced analytics techniques relevant to lending, including scoring models for acquisition, maintenance, provisions and fraud detection. Understanding of Colombian regulatory frameworks related to provisioning is a plus. Programming languages and tools Proficiency: Proficiency in data management with SQL. Experience with data analysis and modeling with relevant Python libraries for scoring in lending. Skilled in working with semi-structured data. Advanced expertise in machine learning algorithms: Deep knowledge in supervised models for regression and classification, mainly for Credit Scoring using classification and regression techniques. Familiarity with unsupervised segmentation models. Model interpretability: Ability to explain complex models into clear and human-understandable ways to ensure transparency and stakeholder/business trust. Proficiency in statistical methods and hypothesis testing. Communication: Great Communication abilities with technical and non-technical stakeholders. Actively seeks and incorporates feedback to improve processes, strategies, and cross-team collaboration. Fluent in English. Values and Ownership: Proactive Problem Solver: Demonstrates ownership by anticipating challenges, identifying opportunities for improvement, and taking initiative to drive solutions. Customer-Centric Mindset: Prioritizes understanding customer behavior and needs. Accountability for Results: Takes responsibility for the success of projects, ensuring models and solutions meet both technical and business expectations. Ethical Responsibility: Upholds high standards of data privacy and ethical modeling practices. Desirable Qualifications Bachelor's degree in: Mathematics, statistics, engineering, physics, economic sciences, computer science or related fields. Experience: Data science areas for Credit or Fraud. Benefits Work on a problem that matters and help change customers’ lives. Build a lasting company from the very beginning, helping define every aspect of it. Massive market opportunity ahead of us; we are growing faster than pretty much any other fintech lender was at our stage. Work alongside a great and diverse team that cares about what we are doing and how we are doing it. Generous compensation, including equity, 100% health insurance (and 1000% for dependents), flexible time-off, learning budget, and visa sponsorship for foreigners. 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 or hiring manager 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 (45-60 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: Take Home Challenge (5-6 days) Complete a simple take-home challenge within a 1-week window. With this technical challenge, we want to see your technical expertise solving a real-world problem. We expect that you invest 5 hours or less in developing a working solution. Step 4: Take Home Challenge Review (60 min) Meet with a Data Scientist and the Data Science Lead to talk about your take-home exercise submission and any questions you might have. Step 5: 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. Seniority level Mid-Senior level Employment type Full-time Job function Engineering and Information Technology #J-18808-Ljbffr