Fraud Manager

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.

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 customer trust by leading the fraud strategy and a team of analysts to identify, deconstruct, and mitigate fraudulent patterns. You will serve as the strategic link between complex data forensics and executive decision-making, ensuring that fraud prevention is a competitive advantage that enables seamless customer acquisition.

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  Reduce Fraud Loss Rate identifying key fraud drivers through deep-dive SQL analysis and implementing real-time mitigation rules that balance risk with conversion.

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  Optimize False Positive Ratios through the refinement of decision engines and model thresholds, ensuring that legitimate customers experience zero friction during their journey.

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  Deploy at least two Major Anti-Fraud Initiatives (e.g., identity verification upgrades, behavioral biometrics, or new machine learning features) from problem framework to full implementation, resulting in measurable OpEx savings or loss reduction.

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  Establish a High-Performance Fraud Analytics Pod by creating a talent development plan that increases the team's technical mastery (SQL, Python, Modeling) and business acumen, maintaining high retention of top talent.

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  Build a Real-Time Fraud Reporting Ecosystem that provides executive-level visibility into emerging trends, ensuring that the company can pivot strategies within 24-48 hours of a detected attack.

• Demonstrate Defensive Ownership and Crisis Resilience

  • Operate with the mindset of a Risk Guardian, taking absolute responsibility for the Fraud Loss P&L and maintaining an intense focus on minimizing financial leakage.

  • Be relentless in driving "Detection-to-Action" cycles, ensuring that once a fraud pattern is identified, it is mitigated in hours, not weeks, especially in an agile fintech environment.

  • Proactively identify security gaps in the user journey and product features, leading the charge to implement friction or blocks without waiting for a formal request.

  Apply Analytical Problem-Solving with a Focus on Forensics and Credit Risk

  • Possess 3+ years of experience in high-impact analytical roles; while a "Fraud" background is a plus, experience in Credit Risk or Strategic Consulting is essential to understand the trade-offs of lending.

  • Demonstrated history of deconstructing "attacks" or "losses" into root causes through quantitative analysis (minimum of 2 years in data-heavy roles).

  • Proven track record of thriving under the pressure of "active attacks," where decisions must be made quickly with high accountability

  Exhibit Exceptional Analytical Rigor to Deconstruct Ambiguity

  • Consistently use rigorous, data-driven analysis to solve complex business challenges and identify opportunities, seamlessly blending conceptual thinking with a strong quantitative approach, especially in managing credit risk.

  • Have the ability to translate ambiguous business problems into clear analytical frameworks, leading to actionable recommendations supported by robust data.

  • Maintain an unwavering commitment to finding the truth in data, using rigorous quantitative analysis to solve complex business challenges.

  • Demonstrate mastery of SQL, writing complex queries from scratch to deconstruct ambiguity and validate hypotheses with precision.

  Possess Strong Commercial Acumen, Connecting Analytical Insights to Business Profitability

  • Be a decisive and tenacious decision-maker who brings a healthy, aggressive, yet responsible approach to the business, acting as the guardian of credit quality and risk appetite.

  • Have experience making tough credit policy decisions that balance growth with risk, even in fluid or uncertain situations.

  • Intuitively connect data insights to the lending P&L, consistently framing your recommendations in terms of their commercial impact.

  Excel at Cross-Functional Influence and Technical Execution

  • Possess impeccable communication skills to articulate "The Why" behind fraud controls to non-technical stakeholders (Sales, Finance, Operations) and executives.

  • Act as a Central Node of Protection, using strategic influence to ensure Product and IT prioritize anti-fraud infrastructure in the roadmap.

  • Showcase the ability to negotiate and align different functions to ensure the company moves in a unified direction against external threats while maintaining operational efficiency.

A conversation with the Chief Credit Officer to Assess your ability to negotiate and drive initiatives to improve business metrics.

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.