Credit Dispute Analyst

About the role

Kiwi is looking for a Credit Dispute Analyst to investigate and resolve consumer credit reporting disputes accurately and within regulatory timelines. The role protects customers' credit profiles and the company's compliance standing, working closely with Servicing, Compliance and Data teams so that every tradeline reported reflects reality.

Key responsibilities

• Investigate and respond to direct disputes and e-OSCAR ACDVs within FCRA deadlines.
• Review account history, payment ledgers and tradeline data to determine reporting accuracy.
• Prepare AUD corrections and customer response letters in English and Spanish.
• Document each investigation in Jira and Zendesk following SOPs.
• Escalate complex cases, fraud claims and recurring data errors to the Credit Dispute Lead.

Required profile

• 1 to 3 years of experience in credit reporting disputes, collections or servicing within lending, fintech or banking.
• Fully bilingual English and Spanish, written and spoken.
• Based in the Dominican Republic.

Required skills

• Working knowledge of FCRA, Metro 2 and e-OSCAR; familiarity with TILA, ECOA, UDAAP, SCRA/MLA and FDCPA.
• Understanding of loan math (interest rate vs. APR, principal and interest, amortization, accrual, fees, payoff) and ability to read and explain a payment ledger.
• Strong attention to detail and comfort handling high case volumes under deadlines.
• Clear writing skills for customer communications.