Senior Manager, CBR & FCRA Risk Governance

🔥 12 hours ago

🤠 Texas – Remote

🤠 Texas – Remote

💵 $140k - $155k / year

⏰ Full Time

🟠 Senior

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 0%

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Octane

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2014

🚘 Automotive

📦 Logistics

💸 Finance

💰 $375M Debt Financing on 2022-08

Automotive • Logistics • Finance

Octane is a company that provides seamless and instant financing solutions for vehicles such as motorcycles, ATVs, and mowers. With a focus on simplifying the financing process, Octane offers instant credit decisions, competitive rates, and personalized financing options through platforms like Roadrunner Financial. Their integrated financing solutions are designed to enhance the buying experience both online and in-store, offering a range of programs for prime, credit builder, and first-time buyers. Octane aims to cater to more customers by offering flexible terms and real payment options, all while ensuring the process is transparent and efficient.

📋 Description

• Own the CBR & FCRA risk governance program and serve as SME on CDIA, Metro 2, FCRA, and Reg V. • Own credit reporting policies, procedures, workflows, and process mappings. • Direct creation, data-quality scrubbing, auditing, and monthly submission of Metro 2 files across four major CRAs. • Oversee Credit Bureau Disputes Management, lifecycle tracking, and resolution of data-furnishing exceptions. • Lead troubleshooting, system checks, and root-cause analysis to resolve errors before reporting. • Oversee exception inputs from Bankruptcy, Deceased Scans, Repossessions, and Debt Sales. • Manage, coach, and develop Dispute Analysts; oversee KPIs, dispute-response SLAs, and QA audits. • Collaborate with technical and cross-functional teams on system enhancements, automation, and scalable compliance controls. • Maintain an issue inventory to improve dispute workflows, data updates, and operational efficiency. • Champion company culture, change management, and cross-departmental collaboration.

🎯 Requirements

• Bachelor’s Degree followed by 7+ years of professional experience at a Consumer Lending centric organization; leading a FCRA/Metro 2 related function. • 5+ years in a supervisory or leadership role managing Line of Business Process requirements for Monthly FCRA file transmission. • Demonstrable experience working directly with FCRA Compliance and credit bureau disputes including enterprise level process management and oversight of related process outputs. • Experience working with consumer financial laws and regulations including but not limited to ECOA, TCPA, FCRA, TILA, UDAAP, FDCPA, etc. • Experience managing the eOscar dispute platform at an enterprise level. • Strong grasp of consumer loan underwriting, servicing, collections, and vendor relations with major Credit Reporting Agencies (CRAs), paired with the ability to independently manage processes against strict regulatory deadlines. • Skilled in analyzing large datasets for criteria compliance, with a firm understanding of software development concepts and hands-on experience using LoanPro. • Proven ability to manage high-volume work queues and multidisciplinary tasks, driving team performance while adapting seamlessly to changing software, guidelines, and processes.

🏖️ Benefits

• Stock option package • Robust Health Care Plans (Medical, Dental & Vision) • Generous Parental Leave • Flexible Time Off (FTO) Policy - Time Off When You Need It • Retirement Plan (401k) with company match! • Educational Assistance/Tuition Reimbursement up to $3K/year • Life Insurance (Basic, Voluntary & AD&D) • Short Term / Long Term Disability • Robust Ancillary benefits including accident insurance, hospital insurance, etc • Wellhub (Gympass) Wellness Benefit • Recreational Safety Benefit