Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.
Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.
Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.
Octane is hiring a leader to own our CBR & FCRA risk governance program, overseeing credit reporting and dispute management end to end. This role is the resident Subject Matter Expert on CDIA/Metro 2®, FCRA, and Reg V, and holds full ownership of credit reporting policies, procedures, and workflows. The role directs monthly Metro 2® file creation, scrubbing, auditing, and submission across all four major CRAs, and leads root cause analysis to catch furnishing errors before they reach the bureaus. It also oversees Credit Bureau Dispute Management alongside the broader Complaints program, working with the existing team to resolve exceptions from Bankruptcy, Deceased Scans, Repossession, and Debt Sales through a mix of manual and automated processes. This person will serve as the primary CBR point of contact, partnering with Legal, Risk, Operations, and Engineering to ensure credit reporting compliance is accounted for across both new initiatives and existing processes and systems.
Responsibilities:
- Program Ownership & Regulatory Expertise
- Serve as the Subject Matter Expert (SME) on CDIA, Metro 2, FCRA, and Reg V guidelines, directly owning all credit reporting policies, procedures, workflows, and process mappings.
- Data Furnishing & CRA Submission
- Direct the end-to-end creation, data quality scrubbing, auditing, and submission of monthly Metro 2 data files across all four major Credit Reporting Agencies (CRAs).
- Dispute & Lifecycle Management
- Oversee Credit Bureau Disputes Management aligned with the broader Complaints program, maintaining complete lifecycle tracking and resolving data furnishing exceptions.
- Data Integrity & Root Cause Analysis
- Lead troubleshooting, system checks, and root cause analysis to identify, correct, and resolve data furnishing errors prior to reporting.
- Downstream Integration
- Oversee exception inputs from key collections and asset recovery processes, including Bankruptcy, Deceased Scans, Repossessions, and Debt Sales.
- Team Leadership & SLA Performance
- Manage, coach, and develop a team of Dispute Analysts to meet key performance indicators (KPIs), maintain dispute response SLAs, and oversee Quality Assurance (QA) audits.
- Cross-Functional & Technical Alignment
- Collaborate with technical and cross-functional teams to implement system enhancements, automation, and scalable controls that ensure ongoing regulatory compliance.
- Continuous Improvement
- Maintain an issue inventory to drive continuous optimization of dispute workflows, data updates, and operational efficiencies.
- Culture & Organizational Leadership
- Champion company culture and core values across the department, driving change management and promoting cross-departmental collaboration.
Requirements:
- Bachelor’s Degree followed by 7+ years of professional experience at a Consumer Lending centric organization; leading a FCRA/Metro 2 related function.
- 5+ years in a supervisory or leadership role while managing Line of Business Process requirements for Monthly FCRA file transmission.
- Demonstrable experience working directly with FCRA Compliance and credit bureau disputes including enterprise level process management and oversight of related process outputs.
- Experience working with consumer financial laws and regulations including but not limited to ECOA, TCPA, FCRA, TILA, UDAAP, FDCPA, etc.
- Experience managing the eOscar dispute platform at an enterprise level.
- Strong grasp of consumer loan underwriting, servicing, collections, and vendor relations with major Credit Reporting Agencies (CRAs), paired with the ability to independently manage processes against strict regulatory deadlines.
- Skilled in analyzing large datasets for criteria compliance, with a firm understanding of software development concepts and hands-on experience using LoanPro.
- Proven ability to manage high-volume work queues and multidisciplinary tasks, driving team performance while adapting seamlessly to changing software, guidelines, and processes.
Compensation: In addition to salary, Total Rewards include a stock option package, and benefits as outlined below. The role described above offers a base salary of $140,000 to $155,000. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity.
Benefits:
- Robust Health Care Plans (Medical, Dental & Vision)
- Generous Parental Leave
- Flexible Time Off (FTO) Policy - Time Off When You Need It
- Retirement Plan (401k) with company match!
- Educational Assistance/Tuition Reimbursement up to $3K/year
- Life Insurance (Basic, Voluntary & AD&D)
- Short Term / Long Term Disability
- Robust Ancillary benefits including accident insurance, hospital insurance, etc
- Wellhub (Gympass) Wellness Benefit
- Recreational Safety Benefit
Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.
Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.
Skills Required
- Bachelor's degree
- 7+ years of professional experience at a consumer lending organization
- 7+ years leading a Fair Credit Reporting Act or Metro 2-related function
- 5+ years in a supervisory or leadership role
- Experience managing line-of-business process requirements for monthly Fair Credit Reporting Act file transmission
- Direct experience with Fair Credit Reporting Act compliance and credit bureau disputes
- Enterprise-level process management and oversight of related process outputs
- Experience with consumer financial laws and regulations, including ECOA, TCPA, FCRA, TILA, UDAAP, and FDCPA
- Enterprise-level experience managing the eOscar dispute platform
- Understanding of consumer loan underwriting, servicing, collections, and relationships with major credit reporting agencies
- Ability to independently manage processes against strict regulatory deadlines
- Skill analyzing large datasets for criteria compliance
- Understanding of software development concepts
- Hands-on experience using LoanPro
- Ability to manage high-volume work queues and multidisciplinary tasks
- Ability to drive team performance and adapt to changing software, guidelines, and processes
Octane Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Octane and has not been reviewed or approved by Octane.
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Leave & Time Off Breadth — Feedback suggests PTO is substantial—“4+ weeks” advertised and reports of up to five weeks with flexible/self-managed policies. Time off is frequently highlighted as a standout element of the package.
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Parental & Family Support — Feedback suggests parental leave is generous, with mentions of paid leave and examples such as 16 weeks of paid paternity leave. Employer materials consistently position parental leave as a core benefit.
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Retirement Support — Feedback suggests the 401(k) match is clearly defined at up to 4% (100% of the first 3% and 50% of the next 2%). The plan is commonly described as solid and straightforward.
Octane Insights
What We Do
We’re a fintech company that makes buying better. We connect people with their passions by combining cutting-edge technology and innovative risk strategies to make lifestyle purchases - like powersports vehicles, RVs, and outdoor power equipment - fast, easy, and accessible, while delivering a seamless, end-to-end digital buying experience in industries ripe for disruption. Octane adds value throughout the customer journey: inspiring enthusiasts with our editorial brands, including Cycle World® and UTV Driver®, instantly prequalifying consumers for financing online, routing customers to dealerships for an easy closing experience, and supporting customers throughout their loan with superior loan servicing. We work with over 4,000 dealer partners and over 30 OEMs across the United States, and we recently surpassed $1B in 2022 YTD originations. Founded in 2014, we’re a remote-first company with over 600 employees across the world, and we have offices in Irving, TX, New York, NY, and Irvine, CA. We made the top 10% of the 2022 Inc 5000 list of the fastest growing private companies in America and are Certified as a Great Place to Work®.
Why Work With Us
We’re a diverse team of innovators determined to give our customers the best possible experience. Information is shared transparently, enabling cross-functional collaboration. We’re a performance based culture where accomplishments are both celebrated and rewarded, always looking for new talent to help us develop our industry-leading products.
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