Credit Resolution Ops Analyst

Our team is passionate about challenging the status quo of the credit industry by providing people with accessible tools to take control of their credit. You will join our Credit Risk Operations team reporting directly to the Manager of Credit Risk Operations. The Senior Credit Resolution Ops Analyst will be responsible for assisting with all direct and indirect credit disputes with reasonable investigations by due dates, and provide management insights to mitigate risks, stay compliant, and enhance servicing operations.

You will be empowered to tackle incoming transactional tasks daily to help our company scale and mitigate credit washing. You will be challenged to use judgment to make decisions on possible reporting errors. You will be researching and investigating account history and escalating any reporting issues.

Responsibilities may evolve within the above description as you become more tenured in the role.

Responsibilities:

• Complete daily operational investigation and credit resolution tasks, including eOscar ACDV, eOscar AUD, paper dispute responses, and other reporting-related functions as needed and loan verifications
• Process high risk customer requests including Bankruptcy, SCRA, Account Validations and Goodwill requests. Requires the ability to understand and analyze a multitude of different documents, often legal in nature.
• Credit bureau reporting subject matter expert including reconciling customer-level data to bureau reporting data, exception remediation for both onshore and offshore, and volume management.
• Internal systems subject matter expert includes understanding the data flow between different risk systems and suggesting improvements on a quarterly basis
• Supports external vendors as an escalation agent including assisting agents with questions or issues with customers.
• Investigate and resolve customer inquiries and complaints in an empathetic manner.
• Utilizes internal systems to analyze and research trends related to credit reporting and payment history for complicated/escalated cases
• Provide management insights to mitigate risks, stay compliant, and enhance servicing operations.
• Participate in audits and provide responses to internal audits. Maintain compliance with internal controls, operational procedures, and risk management policies.
• Ensure that prioritized workflows are completed timely to ensure compliance with regulatory and business SLAs.
• Provide regular monitoring and reporting on OKRs and KPIs, and assess resource allocation to maximize efficiency.
• Communicate needs and prioritization for capabilities needed to meet goals
• Support team members in resolving escalated issues, questions, and complaints to ensure prompt resolution time and consistent quality
• Direct and monitor workload balance among team members and effectively delegate to ensure goals and SLA s are consistently met.

Qualifications:

• 2-5 years of Credit Bureau or related consumer financial experience required.
• Knowledge of FCRA requirements and CDIA Metro 2 guidelines.
• Strong technical skills and knowledge of common rules such as Adverse Action notices, The Bank Secrecy Act, Servicemember Relief Act, etc.

• Experience with tools such as Salesforce, Sentilink, Jira Service desk, Google Suite, LexisNexis, eOscar, etc.
• Ability to work with large datasets and analyze complex data
• Strong attention to detail and accuracy
• Strong understanding of the credit ecosystem and its impact on the customer
• Experience and understanding of current federal regulations (FCRA) and credit industry standards (CDIA guidelines).
• Experience in e-Oscar platform.

Employers have access to artificial intelligence language tools (“AI”) that help generate and enhance job descriptions and AI may have been used to create this description. The position description has been reviewed for accuracy and Dice believes it to correctly reflect the job opportunity.