Role Summary
We are looking for a Credit Dispute Analyst to investigate and resolve consumer credit reporting disputes accurately and within regulatory timelines. In this role, you’ll protect both our customers’ credit profiles and Kiwi’s compliance standing, working closely with Servicing, Compliance, and Data teams to make sure every tradeline we report reflects reality.
Key Responsibilities
Investigate and respond to direct disputes and e-OSCAR ACDVs within FCRA deadlines.
Review account history, payment ledgers, and tradeline data to determine reporting accuracy.
Prepare AUD corrections and customer response letters in English and Spanish.
Document each investigation in Jira and Zendesk following SOPs.
Escalate complex cases, fraud claims, and recurring data errors to the Credit Dispute Lead.
Qualifications
1 to 3 years of experience in credit reporting disputes, collections, or servicing within lending, fintech, or banking.
Working knowledge of FCRA, Metro 2, and e-OSCAR; familiarity with TILA, ECOA, UDAAP, SCRA/MLA, and FDCPA.
Understanding of loan math: interest rate vs. APR, principal and interest, amortization, accrual, fees, and payoff; ability to read and explain a payment ledger.
Strong attention to detail and comfort handling high case volumes under deadlines.
Clear writing skills for customer communications.
Fully bilingual English and Spanish, written and spoken.
Based in Dominican Republic.
Skills Required
- 1 to 3 years of experience in credit reporting disputes, collections, or servicing within lending, fintech, or banking
- Working knowledge of FCRA, Metro 2, and e-OSCAR
- Familiarity with TILA, ECOA, UDAAP, SCRA/MLA, and FDCPA
- Understanding of loan math, including interest rate versus APR, principal and interest, amortization, accrual, fees, and payoff
- Ability to read and explain a payment ledger
- Strong attention to detail and ability to handle high case volumes under deadlines
- Clear writing skills for customer communications
- Fully bilingual English and Spanish, written and spoken
What We Do
Kiwi is a leading platform that helps Latinos living in the US, who may have limited credit data and access to capital, build credit history through unsecured lines of credit and alternative credit builder programs. As the fastest-growing minority segment in the US, the Latino market is expected to reach over 100 million in the next few decades. Our mission is to empower Latinos by providing tools and resources to establish credit, access capital and save money.
