Senior Credit Disputes Specialist

The Team

Upstart’s Credit Dispute and Reporting team is responsible for managing and resolving customer disputes related to credit reporting, ensuring accuracy and integrity of credit information, and adhering to regulatory requirements. The credit dispute and reporting team play a vital role in maintaining accurate credit records, resolving disputes efficiently, and ensuring compliance with relevant laws and regulations. 

As the Senior Credit Dispute Specialist at Upstart, you will  be responsible for handling the credit dispute functions including indirect disputes through e-Oscar, responding to direct disputes in Salesforce, and understanding the credit information that is being reported to the credit reporting agencies month over month. You will be required to make efficient use of the company resources and technical capabilities to properly investigate account information and provide accurate credit report information to the major credit bureaus. 

Position Location - This role is available in the following locations: Remote

Time Zone Requirements - This team operates on the East/West Coast time zones.

Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

How you’ll make an impact:

• Handling the credit dispute functions and ensures using company resources to properly investigate all account information to provide accurate credit information is being reported. 
• Act as a liaison between consumer reporting agencies, E-Oscar, and Upstart resolving credit bureau related issues and assisting with customer inquiries. 
• Ensuring information is reported accurately and is processed promptly whether it is a direct or indirect credit dispute. 
• Ensuring compliance with FCRA in researching and responding to credit disputes, maintaining service levels, and updating account status as necessary.

What we’re looking for: 

• Minimum qualifications:
  • 1-2 years experience working on credit bureau reporting at a Financial Institution.
  • Credit dispute resolution experience with in-depth knowledge and familiarity with the credit reporting agencies. 
  • In depth knowledge and experience working with e-Oscar.
  • Familiarity with the Metro2 format and reporting.
• Preferred qualifications:
  • Strong understanding of key credit reporting laws, including the Fair Credit Reporting Act (FCRA).
  • 3-5 years of hands-on experience working in credit dispute resolution, handling a wide range of dispute types. 
  • Experience  reviewing complex credit files, transaction histories, to assist in identifying errors or inconsistencies. 
  • High School Diploma and/or GED.

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave  
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

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