Senior Credit Disputes Specialist

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee credit dispute processes and utilize company resources to investigate account data, ensuring precise credit information is reported.

• Serve as a point of contact between consumer reporting agencies, E-Oscar, and Upstart to address credit bureau concerns and support customer inquiries.

• Guarantee that both direct and indirect credit disputes are reported correctly and handled in a timely manner.

• Investigate and respond to credit disputes in accordance with the FCRA.

• Maintain service standards and update account statuses as needed.

• Manage indirect disputes through e-Oscar and direct disputes within Salesforce.

• Comprehend credit information reported to agencies on a month-to-month basis.

⛳️ Requirements

• 1-2 years of experience in credit bureau reporting within a Financial Institution.

• Expertise in credit dispute resolution with thorough knowledge and familiarity with credit reporting agencies.

• Extensive knowledge and experience in using e-Oscar.

• Understanding of the Metro2 format and its reporting standards.

• Strong grasp of essential credit reporting laws, including the Fair Credit Reporting Act (FCRA) (preferred).

• 3-5 years of practical experience in credit dispute resolution, dealing with a diverse array of dispute types (preferred).

• Experience in reviewing complex credit files and transaction histories to pinpoint errors or discrepancies (preferred).

• High School Diploma and/or GED or relevant equivalent experience (preferred).

• Capability to work across East/West coast time zones.

🏝️ Benefits

• Competitive compensation package, which includes base salary, bonus opportunities, and annual equity grants that vest quarterly.

• Retirement benefits comprising a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).

• Employee Stock Purchase Plan (ESPP) offering discounted stock purchase options for eligible employees (US only).

• Comprehensive health coverage, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Contributions from Upstart to Health Savings Accounts for eligible plans (US only).

• Life insurance and disability benefits.

• Paid time off, sick leave, and company holidays, adhering to local regulations.

• Paid family and parental leave.

• Family-focused benefits that support fertility, parenthood, and caregiving.

• Employee Assistance Program (EAP) providing mental health support and life-centered resources.

• Financial wellness resources, including financial planning tools and a financial concierge service (US only).

• Annual wellness allowance.

• Annual productivity allowance for relevant tools and resources.

• Team events, company-wide updates, and employee resource groups (ERGs).

• On-site perks, such as catered lunches and fully stocked micro-kitchens at offices.