Octane

Credit Reporting Operations Manager

Octane

full-time

Posted on:

Origin:  • 🇺🇸 United States

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Salary

💰 $90,000 - $110,000 per year

Job Level

SeniorLead

About the role

  • Octane is a fintech company delivering digital financing and loan servicing for recreational purchases (powersports, RVs, OPE).
  • The Credit Reporting Operations Manager oversees Octane’s CDIA-compliant Metro2 reporting program and dispute management.
  • Own policies, procedures, process flow charts, and documentation comprising the Metro2 reporting program.
  • Maintain and improve credit reporting standards based on dispute trends, regulatory and CDIA guidance.
  • Create, submit, and audit Metro2 Data Files to all four major CRAs including data review and scrubbing.
  • Lead root cause analysis to correct errors in data furnishing prior to reporting, including data integrity checks and dispute management.
  • Develop scalable workflows and controls to ensure quality and consistency.
  • Manage a team of dispute analysts, ensuring SLAs, performance goals, coaching, and professional development.
  • Conduct periodic audits of Metro2 files and data furnishing processes to ensure accuracy.
  • Coordinate with technical teams for system and process development to maintain compliance.
  • Act as resident expert in FCRA compliance and credit reporting/dispute requirements.
  • Oversee monthly Disputes, BK Watch, and Deceased Scan processes and inventory ongoing issues for continuous improvement.

Requirements

  • Bachelor’s Degree followed by 7+ years of professional experience in at a Consumer Lending centric organization
  • 5+ years in a supervisory or leadership role
  • 2+ years managing Line of Business process requirements for monthly FCRA file transmission
  • Demonstrable experience working with credit bureau disputes and FCRA Compliance including enterprise level process management and oversight of related functions
  • Experience working with consumer financial laws and regulations including but not limited to FCRA, UDAAP, FDCPA, ECOA, TCPA, TILA, etc.
  • Experience managing the eOscar dispute platform at an enterprise level
  • Strong understanding of the governing principles of consumer loan underwriting, servicing, and collections
  • Ability to think critically and analyze large data sets for adherence to established criteria
  • Ability to manage a process with minimal managerial oversight, including adherence to critical regulator mandated deadlines
  • Ability to manage a team with ownership of multiple work queues with constant ticket volume, while also supporting other critical tasks
  • Ability to quickly adapt to changing processes, software, and guidelines