[Hiring] Senior Credit Disputes Specialist @Upstart

Role Description

As a Senior Credit Disputes 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.

• Handling the credit dispute functions and ensuring accurate credit information is reported.
• Acting as a liaison between consumer reporting agencies, E-Oscar, and Upstart to resolve credit bureau related issues and assist with customer inquiries.
• Ensuring information is reported accurately and processed promptly for both direct and indirect credit disputes.
• Ensuring compliance with FCRA in researching and responding to credit disputes, maintaining service levels, and updating account status as necessary.

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.

Requirements

• 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 and transaction histories to assist in identifying errors or inconsistencies.
• High School Diploma and/or GED or relevant equivalent experience.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
• Comprehensive health coverage, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave to support caregiving and major life moments.
• Family-centered benefits to support fertility, parenthood, and caregiving needs.
• Employee Assistance Program (EAP) offering mental health support and life-centered resources.
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).
• Annual wellness allowance to support your physical and emotional well-being.
• Annual productivity allowance to invest in relevant tools and resources.
• Connection and community through team events, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens in select offices.