About the role
We are looking for a Credit Dispute Lead to own our credit reporting dispute function end to end. You will lead the dispute team, ensure every dispute is resolved accurately and on time, and drive improvements to our credit reporting data and processes.
Key Responsibilities
- Lead, train, and review the work of the Credit Dispute Analyst(s), including quality control and productivity tracking.
- Oversee direct disputes (letters, email, CFPB complaints) and indirect disputes (e-OSCAR ACDV), ensuring FCRA response deadlines are met.
- Manage AUD corrections and ensure Metro 2 accuracy across all bureaus.
- Handle complex cases: charge-offs, settlements, bankruptcies, identity theft claims, DOFD and payment history questions.
- Identify root causes of recurring disputes and partner with Data, Engineering, and Compliance to fix them at the source.
- Maintain dispute SOPs, templates, and audit-ready documentation.
- Report dispute volumes, trends, and risks to leadership.
Qualifications
- 4+ years of experience in credit reporting disputes within lending, fintech, or banking, including at least 1 year leading or mentoring others.
- Expert knowledge of FCRA, Metro 2 format, e-OSCAR, ACDV/AUD workflows, and bureau requirements.
- Working knowledge of TILA/Reg Z, ECOA, UDAAP, SCRA/MLA, FDCPA/Reg F, and CFPB supervisory expectations.
- Strong loan math: interest rate vs. APR, amortization, daily accrual, fees, payoff, and the effect of partial, early, or late payments; ability to reconstruct and explain a payment ledger.
- SQL or strong data skills to validate reporting at scale (preferred).
- Audit mindset with rigorous documentation and traceability.
- Fully bilingual English and Spanish, written and spoken. Based in Dominican Republic.