Legal Capital Markets Laywer

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

Be a proactive member of the team driving the successful execution of Addi's capital markets strategy by structuring and negotiating complex debt facilities that fuel our growth while ensuring our funding operations are efficient, scalable, and prepared for our transition into a regulated compañía de financiamiento

What you will do

• Close a growing pipeline of new or renewed debt facilities independently managing negotiations with local and international lenders to secure the capital needed for our loan book growth targets.

• Reduce the average closing time for standard debt facilities by developing and implementing standardized legal templates, negotiation playbooks, and improving internal stakeholder alignment processes.

• Support the structuring and closing of at least one new, diversified funding structure (e.g., securitization, private placement), expanding our funding sources beyond traditional warehouse facilities.

• Become a key legal point of contact and a trusted advisor for the Capital Markets team , demonstrating deep subject matter expertise and proactive problem-solving in all funding transactions, while maintaining a direct communication channel with the Senior Legal Capital Markets Manager.

What we’re looking for

• Experienced in financial and structured transactions

  • At least 4 years of experience in the banking & finance, capital markets, or structured finance practice of a top-tier law firm.

  • Proven track record as a key lawyer on multiple closed debt financing transactions, particularly cross-border deals involving asset-backed securities, warehouse facilities, or securitizations.

  • Demonstrated success in leading negotiations and managing transaction closings (closing checklists and signing process) for complex financial agreements in both English and Spanish.

  • Ideally has direct experience advising banks or other regulated financial entities on financing transactions or regulatory capital.

  • Ideally understands the specific legal and compliance constraints of operating as a regulated entity.

• Proven track record of executing complex financing transactions

  • Demonstrates deep knowledge of cross-border asset-backed financing, especially warehouse facilities, securitizations, and revolving credit facilities.

  • Balances the company's need for speed and efficiency while effectively protecting its legal and commercial interests.

  • Has experience in managing drafts of legal documents and all legal aspects of a financing deal, from term sheet to closing and monitoring post-closing covenants.

  • Asks questions, context and guidance when needed, either due to the complexities of a particular transactions or for lack of familiarity with the company's standards and interests.

• Demonstrates negotiation skills with sophisticated counterparts

  • Successfully negotiates complex, multi-party agreements with international and local lenders.

  • Maintains a firm, solution-oriented (pro-business) approach to find common ground and close deals on favorable terms.

  • Clearly articulates legal risks and commercial implications to internal stakeholders to drive decisive action.

  • Is not afraid, and has enough discretion, to reach out to the GC or Senior Legal Capital Markets Manager to get involved or support he/her in a particular complex negotiation.

• Possesses basic financial and capital markets regulatory acumen

  • Identifies (or asks the relevant questions to identify) potential red flags in transactions by applying a solid understanding of relevant regulations.

  • Effectively partners with external counsel to navigate complex regulatory landscapes in Colombia and other key jurisdictions.

  • Proactively stays updated on regulatory changes that could impact current and future funding structures.

• Track record of exceptional stakeholder management and communication

  • Builds strong, trust-based relationships with internal teams (Legal, Capital Markets, Finance) and external partners.

  • Communicates complex legal concepts clearly and concisely to non-lawyers, including senior executives.

  • Negotiates and drafts complex legal documents fluently in both English and Spanish.

• Demonstrates a high-impact, problem-solving mindset with full ownership

  • Thrives in a fast-paced, ambiguous environment, managing multiple high-stakes projects simultaneously.

  • Takes end-to-end ownership of their work, anticipating potential roadblocks and developing creative, commercially-viable solutions.

  • Operates with a sense of urgency and autonomy to drive results, but being critical enough to take any necessary pause and involve thir parties (either member of the Legal team or external counsel) when needed.

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 mins)

  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 w

• Step 3: Deep Dive Interview (30 mins)

  You'll meet future colleagues and cross-functional team members (Vp of Cap Markets, Head of Legal and General Counsel) to get a feel for how we work together. We’re looking for strong contributors and cultural fits, so bring your questions, too!

• Step 4: 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 4: 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.