During my summer at LEO Impact Fund I conducted the due‑diligence process for a proposed debt investment in a social fintech operating in Bogotá. The company offers a rent‑to‑own model that enables low‑income gig workers—often excluded from formal finance—to rent and eventually acquire motorcycles for delivery services. By building credit histories and increasing earnings, the program aims to break poverty cycles. My responsibilities included reviewing the company’s mission and operating model, analyzing its financial statements and forecasts, assessing impact metrics, and evaluating risks. I prepared discussion materials for the investment committee to ensure the proposed loan advanced LEO’s mandate to deliver measurable social impact alongside financial returns.

My Columbia Business School coursework provided the technical foundation for this analysis. I drew on financial modeling and accounting classes to assess cash flows and valuation, and I applied impact‑investing frameworks to translate the firm’s social outcomes into measurable metrics. Courses on venture capital and climate finance informed my evaluation of carbon‑emission offset initiatives and blended‑finance structures. Previous experience with LEO provided a process for drafting memos and integrating financial and impact considerations.

The biggest challenge was learning the nuances of the gig‑worker economy and its regulatory environment. I needed to understand the market, competitive dynamics, and macroeconomic conditions that influence borrower behaviour in Colombia. Assessing a young company with dual impact and financial objectives demanded a broad lens that balanced profitability, operational resilience, and social outcomes.

This fellowship reaffirmed my commitment to impact investing and to supporting innovative ventures in Latin America. It deepened my understanding of how capital can scale inclusive business models and reinforced the importance of aligning investments with values. I leave with stronger diligence and analytical skills and a conviction to pursue a career that creates lasting impact.