Credit Dispute Lead

About the role

The Credit Dispute Lead owns the credit reporting dispute function end to end, leads the dispute team and ensures every dispute is resolved accurately and on time. The role also drives improvements to credit reporting data and processes.

Key responsibilities

• Lead, train and review the work of the Credit Dispute Analyst(s), including quality control and productivity tracking.
• Oversee direct disputes (letters, email, CFPB complaints) and indirect disputes (e-OSCAR ACDV), making sure FCRA response deadlines are met.
• Manage AUD corrections and ensure Metro 2 accuracy across all bureaus.
• Handle complex cases such as charge-offs, settlements, bankruptcies, identity theft claims, DOFD and payment history questions.
• Identify root causes of recurring disputes and work with Data, Engineering and Compliance to fix them at the source.
• Maintain dispute SOPs, templates and audit-ready documentation.
• Report dispute volumes, trends and risks to leadership.

Required profile

• 4+ years of experience in credit reporting disputes within lending, fintech or banking, including at least 1 year leading or mentoring others.
• Expert knowledge of FCRA, Metro 2 format, e-OSCAR, ACDV/AUD workflows and bureau requirements.
• Working knowledge of TILA/Reg Z, ECOA, UDAAP, SCRA/MLA, FDCPA/Reg F and CFPB supervisory expectations.
• Audit mindset with rigorous documentation and traceability.
• Fully bilingual English and Spanish, written and spoken.
• Based in the Dominican Republic.

Required skills

• Strong loan math: interest rate vs. APR, amortization, daily accrual, fees, payoff, and the effect of partial, early or late payments; able to reconstruct and explain a payment ledger.
• SQL or strong data skills to validate reporting at scale (preferred).