Credit Reporting Analyst

| USA +80 more | Remote
Employer Provided Salary: 60,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.

We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.

A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work

What you get to do: 

We are looking for a Credit Reporting Analyst to join OppLoans’ expanding and dynamic Compliance department! This role will report directly to the Senior Regulatory Compliance Manager. The role will primarily respond to direct and indirect disputes.

Key Responsibilities:

  • Resolve indirect disputes through the Sonnet system, which integrates with e-OSCAR, a platform where credit bureaus will forward disputes sent to them to the data furnisher.
  • Resolve direct credit reporting disputes received from the customer either by phone, email, or letter.
  • Determine root cause of disputes by collaborating with department owners across a variety of teams.
  • Work with representatives from major credit bureaus to determine if reported information is reflecting as anticipated.
  • Work with other departments as needed, such as Complaints and Operations, to resolve customer concerns or update credit reporting information

What you will bring to the team:

  • Bachelor’s degree.
  • 1-2 years experience reviewing sensitive information (customer documents, banking information), ability to navigate and review accounts, notate findings, and track information.
  • Willingness to learn federal regulations under which OppLoans operates; primarily the Fair Credit Reporting Act (FCRA), as well as the Unfair, Deceptive, or Abusive Acts or Practices Act (UDAAP), Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Fair Lending, Servicemembers Civil Relief Act (SCRA), as well as others as necessary.
  • Average QA score of 97% or above over the last three months
  • Attention to detail.
  • Proficiency in G-Suite and Microsoft Office.
  • Adaptable to rapid change.
  • Identify areas of opportunity and improvement.
  • Decision-making/reasoning skills.
  • Ability to multitask as well as assess and change priorities.

Desirable Skills:

  • Basic to intermediate knowledge of SQL
  • Knowledge of e-OSCAR system
  • Experience with the Metro 2 format

Reports to: Credit Reporting Manager

Job Level: Analyst 

Total Rewards and Benefits 

The starting base salary for this position is $xxxxx per year. The actual offer, reflecting the total compensation package and benefits, will be at the company’s sole discretion and determined by a myriad of factors including, but not limited to, years of experience, depth of experience, and other relevant business considerations. The total compensation package includes eligibility and potential for performance-based bonuses as well as equity grants dependent upon the role and job level. 

OppFi offers a flexible, remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical, dental, and vision coverage, and tuition reimbursement. There are also additional benefits including DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. OppFi also offers Fringe, which is a lifestyle benefits platform that allows employees decide how to spend rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote 

EEO Statement:

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, federal law, or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.

As part of OppFi’s commitment to providing equal opportunity to qualified individuals, OppFi will ensure that persons with disabilities are provided reasonable accommodation as defined by applicable laws and organizational policies. If reasonable accommodation is needed to participate in the job application or interview processes or job requirements, please contact our People Team at [email protected].

Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/.

The information in this document is for general informational purposes only. It is not intended to be an all-inclusive list or description of the organization and its requirements for positions and employees. OppFi reserves the right to modify or change the information on this document at its discretion.

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Candidate Location Eligibility:
Albuquerque, NM
Ann Arbor, MI
Atlanta, GA
Austin, TX
Baltimore, MD
Baton Rouge, LA
Birmingham, AL
Boise, ID
Boston, MA
Buffalo, NY
Charleston, SC
Charlotte, NC
Chicago, IL
Cincinnati, OH
Cleveland, OH
Colorado, CO
Columbus, OH
Dallas-Fort Worth, TX
Dayton, OH
Des Moines, IA
Detroit, MI
Fayetteville-Springdale-Rogers, AR
Greensboro, NC
Hampton Roads, VA
Hartford, CT
Houston, TX
Huntsville, AL
Indianapolis, IN
Jacksonville, FL
Kansas City, MO
Las Vegas, NV
Lexington, KY
Lincoln, NE
Little Rock, AR
Los Angeles, CA
Louisville, KY
Madison, WI
Memphis, TN
Miami, FL
Milwaukee, WI
Minneapolis–Saint Paul, MN
Nashville, TN
New Orleans, LA
New York City, NY
Ogden, UT
Oklahoma City, OK
Omaha, NE
Orlando, FL
Other US Location
Palm Bay-Melbourne-Titusville
Pensacola, FL
Peoria, IL
Philadelphia, PA
Phoenix – Mesa – Scottsdale, AZ
Pittsburgh, PA
Portland, ME
Portland, OR
Providence, RI
Provo, UT
Raleigh-Durham, NC
Reno, NV
Richmond, VA
Rochester, NY
Sacramento, CA
Salt Lake City, UT
San Antonio, TX
San Diego, CA
San Francisco, CA
San Luis Obispo, CA
Santa Cruz, CA
Seattle, WA
Spokane, WA
St. Louis, MO
Tallahassee, FL
Tampa Bay, FL
Tucson, AZ
Tulsa, OK
Washington DC
Wichita, KS
Wilmington, NC

Technology we use

  • Engineering
  • Product
  • Sales & Marketing
  • People Operations
    • RubyLanguages
    • ClojureLanguages
    • Google AnalyticsAnalytics
    • ConfluenceManagement
    • JIRAManagement
    • WordpressCMS
    • SalesforceCRM
    • SlackCollaboration
    • ZoomCollaboration
    • AsanaProject Management
    • Monday.comProject Management

What are OppFi Perks + Benefits

OppFi Benefits Overview

Competitive salary and healthcare benefits package.
401(k) match program.
Tuition reimbursement program.
Flexible paid vacation policy, paid parental leave, and monthly Wellness Days.
Modern Health mental wellness benefits.
Discounted pet insurance.
Fringe employee lifestyle benefits platform.
Rocket Lawyer legal support benefits.
Commuter benefits.
Learning and development benefits, including LinkedIn Learning platform.
Home office reimbursement program.
Chicago office conveniently located downtown in the heart of the city.
Awesome panoramic office view of Millennium Park and Lake Michigan, with rooftop access.
Fully stocked office kitchen with healthy snacks & drinks available.
Subsidized food perk options with Fooda or DashPass DashPass.
Free office gym membership.
Dual monitors and stand-up work stations.
Casual dress policy.
Free OppFi swag.
Equal opportunity employer.

Culture
Volunteer in local community
Partners with nonprofits
Open door policy
OKR operational model
Team based strategic planning
Pair programming
Open office floor plan
Flexible work schedule
Remote work program
Diversity
Dedicated diversity and inclusion staff
Mandated unconscious bias training
Diversity employee resource groups
Hiring practices that promote diversity
Health Insurance + Wellness
Flexible Spending Account (FSA)
Disability insurance
Dental insurance
Vision insurance
Health insurance
Life insurance
Pet insurance
Wellness programs
Team workouts
Mental health benefits
Financial & Retirement
401(K)
401(K) matching
Employee stock purchase plan
Performance bonus
Charitable contribution matching
Child Care & Parental Leave
Childcare benefits
Generous parental leave
Family medical leave
Vacation + Time Off
Unlimited vacation policy
Generous PTO
Paid volunteer time
Paid holidays
Paid sick days
Office Perks
Commuter benefits
Company-sponsored outings
Free snacks and drinks
Some meals provided
Company-sponsored happy hours
Recreational clubs
Relocation assistance
Fitness stipend
Home-office stipend for remote employees
Onsite gym
Professional Development
Job training & conferences
Tuition reimbursement
Lunch and learns
Promote from within
Mentorship program
Continuing education stipend
Continuing education available during work hours
Online course subscriptions available
Customized development tracks
Paid industry certifications

Additional Perks + Benefits

In addition to offering generous insurance benefits and 401(k) matching, we pride ourselves on a fun, collaborative and supportive company culture. In-office events include game nights, happy hours, cultural events hosted by our employee-led communities (Business Resource Groups), a collaborative week of team bonding during Thrive Where You Work Week, and annual company parties. Virtually, we holding digital events like trivia nights, Zoom cooking classes, movie nights, and coffee chats. Through our lifestyle benefits platform Fringe, employees can access discounted services that support a healthy work/life balance. We are always looking for ways to treat our employees well and show them they’re appreciated.

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