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 recruiting@oppfi.com.

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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At OppFi,  we dare to win, thus with the understanding that diverse teams coupled with inclusion and equity helps us win as a company - we invite all applicants to self-identify, on your application form via the EEOC portion. 

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We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years.

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You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.

Disabilities include, but are not limited to:

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