Credit Reporting Operations Manager

Octane® is revolutionizing recreational purchases by delivering a seamless, end-to-end digital buying experience. We connect people with their passions by combining cutting-edge technology and innovative risk strategies to make lifestyle purchases - like powersports vehicles, RVs, and OPE - fast, easy, and accessible.

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, and supporting customers throughout their loan with superior loan servicing.

Founded in 2014, we’re a company with 550+ employees and over 30 OEM and 4,000 dealer partners.

The Credit Reporting Operations Manager is responsible for overseeing Octane’s CDIA-compliant Metro2 reporting program and ensuring timely, accurate, and compliant credit reporting to Credit Reporting Agencies (CRAs). This individual will own related policies, procedures, and process documentation, as well as lead a dispute management team. The role requires deep expertise in FCRA compliance, credit reporting operations, and enterprise-level dispute management, with a focus on scalability, accuracy, and process improvement. The ideal candidate will work hybrid in our Irving office. We will consider remote candidates for this role. 

Specifically, you will:  

• Own the policies, procedures, process flow chart, and other documents that comprise Octane’s CDIA compliant Metro2 reporting program
• Maintain and improve Octane’s credit reporting standards and practices, based on dispute trends, regulatory and CDIA update guidance
• Own the creation, submission, and audit of Octane’s Metro2 Data Files to all four major CRAs, including data review and filtering/scrubbing of un-needed data before submission
• Lead root cause analysis to identify and correct errors in data furnishing processes prior to reporting including data integrity checks, error resolutions, and dispute management
• Develop scalable workflows and controls to ensure quality and consistency
• Manage a team of dispute analysts, to include ensuring dispute response SLAs are maintained, set performance goals, provide coaching and feedback, and ensure professional development for team members 
• Conduct periodic audits of Octane’s Metro2 files and data furnishing processes to ensure accuracy of transmitted data
• Coordinate with technical teams to manage system and process development to ensure continued compliance with credit reporting requirements
• Act as a resident expert in FCRA compliance and the various rules and requirements related to credit reporting and disputes
• Oversee key monthly Disputes, BK Watch, and Deceased Scan processes
• Inventory ongoing issues for continuous improvement in processes, and data updates
• Request and support related efficiency and /or compliance projects as needed

Qualifications:

• Bachelor’s Degree followed by 7+ years of professional experience in at a Consumer Lending centric organization
• 5+ years in a supervisory or leadership role
• 2+ years  managing Line of Business process requirements for monthly FCRA file transmission
• Demonstrable experience working with credit bureau disputes and FCRA Compliance including enterprise level process management and oversight of related functions
• Experience working with consumer financial laws and regulations including but not limited to FCRA, UDAAP, FDCPA, ECOA, TCPA, TILA, etc.
• Experience managing the eOscar dispute platform at an enterprise level
• Strong understanding of the governing principles of consumer loan underwriting, servicing, and collections
• Ability to think critically and analyze large data sets for adherence to established criteria
• Ability to manage a process with minimal managerial oversight, including adherence to critical regulator mandated deadlines
• Ability to manage a team with ownership of multiple work queues with constant ticket volume, while also supporting other critical tasks
• Ability to quickly adapt to changing processes, software, and guidelines

Compensation

The role described above offers a base salary of $90,000 to $110,000. Your offer will be based on the alignment of your qualifications with the requirements of the job, location, and internal equity. In addition to the above-mentioned salary, Total Rewards include a corporate bonus program, stock option package, and benefits as outlined below.

Benefits:

• Robust Health Care Plans (Medical, Dental & Vision)
• Generous Parental Leave
• Flexible Time Off (FTO)
• 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
• Powersports 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.

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