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 in Chicago.

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 $49,600/year. Actual compensation may vary from posted base salary depending on the candidate’s job-related skills and experience. The total compensation package includes eligibility for performance-based bonuses as well as a 1-time equity grant based on level.

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.

OppFi offers a flexible remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical plans, dental and vision coverage, and tuition reimbursement. To support wellness, growth, and legal support, we provide additional benefits, including DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. We also offer Fringe, which is a lifestyle benefits platform that lets you decide how to spend your rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote 

EEOC Statement: 

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, or 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.

OppFi is committed to the full inclusion of all qualified individuals. As part of this commitment, OppFi will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact our People team at [email protected].

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/