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Addi

BNPL payments for consumers and merchants

Backend JVM Software Engineer

Full-TimeUpdated on 10/15/2026
No salary listed
Senior, Expert
Remote in Colombia+1 moreMore locations: Bogotá, Bogota, Colombia
Remote
Software EngineeringBackend Engineering

About the job

Requirements
  • At least 8 years of backend development experience with JVM-based technologies such as Java, Kotlin, or Scala.
  • A proven track record of delivering scalable, high-performance backend systems in a production environment.
  • Experience working in software development teams and contributing to sprints, standups, and retrospectives.
  • Hands-on experience with backend languages such as Java 11, Kotlin, or Scala, and backend frameworks such as Spring Boot.
  • Proficiency in building and managing databases with SQL, PostgreSQL, and Redis; SQL is required.
  • Strong experience with automated testing.
  • Ability to design, implement, and maintain scalable and secure application programming interfaces.
  • Proven experience with distributed systems such as SQS or RabbitMQ.
  • Knowledge of Kafka for event-driven systems.
  • Knowledge of containerization with Docker and orchestration with Kubernetes.
  • Ability to thrive in a fast-paced, constantly changing startup product environment while balancing immediate results with long-term strategic planning.
  • Understanding of business goals and how technical solutions align with and advance those objectives.
  • Ability to prioritize work to deliver high impact for users and stakeholders.
  • Ability to collaborate with product managers and designers to align technical solutions with user needs and business strategy.
  • Ability to take responsibility for delivering projects end to end, from conception through post-deployment support.
  • Ability to anticipate technical challenges and propose effective backend solutions.
  • Ability to learn and apply emerging AI technologies to accelerate development, enhance technical investigation, and solve problems.
  • Ability to share insights about AI tools and practices with the team and support thoughtful experimentation and incremental adoption.
Responsibilities
  • Take end-to-end ownership of software and operate the software designed, developed, tested, and released into production.
  • Work with designers, engineers, and product owners to build products and experiences for clients and partners.
  • Architect resilient and scalable components using the organization’s architectural styles and patterns.
  • Develop new features using the JVM stack.
  • Develop unit, component, integration, and automation tests to ensure feature reliability.
  • Review pull requests daily and transfer knowledge to the team.
  • Deploy new features to production daily using the continuous integration and continuous delivery pipeline.
  • Participate in the occasional on-call rotation.
  • Contribute to Architecture Decision Records by proposing techniques, patterns, and tools for the evolving platform.
  • Collaborate with product, business, and other engineering teams to integrate features, improve system performance, and enhance the reliability of services supporting user transactions.
Desired Qualifications
  • Proficiency with continuous integration and continuous delivery pipelines and deployment strategies.
  • Proficiency in reactive programming.
  • Experience in fintech or product companies.

About the company

Addi provides buy now, pay later (BNPL) financing in Latin America, enabling consumers to split purchases into installments without a credit card. The platform supports both online and in-store payments and aims to increase purchasing power with quick credit checks that can be completed via national ID and a WhatsApp verification. Short-term plans are zero-interest, while longer-term installments carry interest. For merchants, Addi acts as a payment option that can boost sales and conversion by offering flexible terms; it integrates with various e-commerce systems and supports in-store sales. The business model charges merchants a fee for each transaction processed through the platform. Addi focuses on LATAM markets, especially Colombia and Brazil, to expand access to credit and grow merchant networks.

Company Size

501-1,000

Company Stage

Debt Financing

Total Funding

$1.1B

Headquarters

Bogotá, Colombia

Founded

2018

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Simplify's Take

What believers are saying

  • Addi closed an $85 million Series D in July 2026 with Citius and BTG Pactual.
  • J.P. Morgan led a $150 million structured credit line in April 2026, expanding liquidity.
  • Fogafín-backed deposits open cheaper funding and cross-sell beyond point-of-sale lending.

What critics are saying

  • Mercado Pago, Bancolombia, and Banco de Bogotá are embedding instalments, compressing Addi's moat.
  • Addi's debt stack exceeded $680 million in 2026, creating refinancing pressure if delinquencies rise.
  • A Colombia credit shock or consumer-protection crackdown would hit funding, deposits, and growth fast.

What makes Addi unique

  • Addi spans BNPL, consumer credit, and deposits under Colombia’s April 2026 licence.
  • It serves 5.5 million customers and 76,000 merchants across Colombia.
  • Its closed-loop data and AI underwriting support omnichannel financing at purchase.

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Benefits

Remote work: Work from anywhere in the world. And if you want to share some time, you can visit our offices in Bogotá or São Paulo.

Health insurance: Your health comes first, that's why we give 100% coverage for you and 50% for the close relatives you want.

Learn and grow: We love that everyone learns new things, that's why you can participate in our English and Portuguese classes

Flexible schedule: What interests us? Your achievements and goal completion, not the time you spend at your desk.

Own Addi: If it's real. You have the possibility to own a part of Addi by buying shares.

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

1%

2 year growth

2%
El Ecosistema Startup
Aug 7th, 2026
Colombian fintech Addi raises $86M Series D, first major round since Rappi

Colombian fintech Addi has closed an $86 million Series D round, marking the country's largest startup funding since Rappi's raise years ago. The round was led by Citius and co-led by Brazilian bank BTG Pactual, with participation from Singapore's sovereign wealth fund GIC and Monashees. Addi operates a buy-now-pay-later model serving 5.5 million customers and 76,000 merchants across Colombia. The company has been profitable for eight consecutive quarters, generating $6.5 million in net profit in 2025. The funds will primarily support customer acquisition and artificial intelligence development. Addi plans to maintain its 490-person headcount whilst more than doubling transaction volumes and revenue. In April 2026, Addi received regulatory approval to operate as a finance company, enabling it to accept public deposits and offer savings accounts backed by Colombia's deposit insurance fund.

Valora Analitik
Jul 22nd, 2026
Goldman Sachs debuts $50M forward flow deal with Colombian fintech Addi

Colombian fintech Addi has closed a $50 million portfolio sale agreement with Goldman Sachs under a Forward Flow structure, marking the investment bank's first such operation in Colombia. The mechanism involves an investor committing to regularly purchase portfolios originated by a company, a structure commonly used in the US, Europe and Mexico. CEO Santiago Suárez said the scheme expands Addi's financing alternatives and helps manage growing funding needs whilst diversifying capital sources beyond traditional debt. This transaction represents Addi's fourth financial milestone in 2026. In May, the company announced a $150 million warehouse credit line led by J.P. Morgan. In July, it closed an $85 million Series D round led by Citius and co-led by BTG Pactual. Founded in 2018, Addi serves over three million consumers through a network of 39,000 allied merchants in Colombia.

Valora Analitik
Jun 30th, 2026
Addi closes $85M Series D led by Citius and BTG Pactual to expand Colombia fintech platform

Addi, a Colombian fintech company, has closed an $85 million Series D funding round led by Citius and co-led by BTG Pactual, marking BTG's first investment outside Brazil in a growth-stage company. GIC and Monashees also participated in the round. The company, which has been profitable for two years, operates a financial services and commerce platform serving millions of Colombians and tens of thousands of merchants. Addi will use the funding to expand its credit platform, strengthen technological infrastructure, and broaden its product portfolio. In April 2026, Addi secured a $150 million structured credit facility led by J.P. Morgan, bringing total debt commitments beyond $680 million. The company also received authorisation from Colombia's financial regulator to operate as a regulated entity.

Valora Analitik
Apr 20th, 2026
Addi secures $150M credit line led by J.P. Morgan, exceeding $680M in total debt commitments

Addi, a Colombian fintech, has secured a $150 million structured credit line through a special purpose vehicle, led by J.P. Morgan with $130 million and Fasanara contributing $20 million. This marks J.P. Morgan's first warehouse-type structure with a Colombian company. The transaction brings Addi's total debt commitments to over $680 million, establishing its strongest liquidity position to date. CEO Santiago Suárez described the deal as a strategic relationship rather than merely a transaction. The announcement follows Addi's recent approval as a financing company on 8 April, enabling it to accept public deposits under Colombia's financial regulatory framework. The licence allows Addi to expand beyond purchase financing into savings products, with deposits covered by Fogafín deposit insurance.

Business Wire
Mar 24th, 2026
Addi named to Fast Company's Most Innovative Companies 2026 list after securing $530M in debt

Addi, Colombia's leading commerce and financial services platform, has been named to Fast Company's World's Most Innovative Companies 2026 list. The fintech company has achieved six consecutive quarters of profitability and 6.5x revenue growth between 2023 and 2025. Addi surpassed $257 million in annualised revenue in 2025 and secured over $530 million in debt commitments from partners including Goldman Sachs, Citi and BBVA Spark. The company now operates across 1,034 Colombian municipalities, covering 94% of the country. The platform serves more than 2.5 million consumers and 30,000 merchant partners. Addi's closed-loop ecosystem uses real-time data and AI to extend credit whilst improving merchant performance. Founded in 2018, the company is backed by Andreessen Horowitz, GIC and Union Square Ventures.