Senior Manager, Credit Bureau Reporting (CBR)

Title: Senior Manager, Credit Bureau Reporting (CBR)

Reports to:  Director, Service Operations

Location: Miami, FL (Hybrid) / US Remote

About the Company 

At BMG Money, our mission is to provide access to affordable and responsible credit for underserved consumers facing unexpected expenses. We all share one vision— Redefining lending through technology, where underserved individuals can thrive financially through forward-thinking, responsible, and innovative financial solutions.

Job Summary

We’re seeking a seasoned Senior Manager of Credit Bureau Reporting (CBR) to lead strategy, operations, and continuous improvement of our credit bureau reporting function. This role ensures reporting is accurate, compliant, timely, and scalable, while overseeing the transition to a new reporting platform.

The ideal candidate has deep expertise in Metro2 reporting, FCRA/CDIA regulations, and a hands-on operational approach. You’ll drive cross-functional efforts to remediate issues, implement strong controls, and establish a sustainable, well-governed CBR program.

Key Responsibilities

• Lead all aspects of credit bureau reporting, ensuring data accuracy, timeliness, and regulatory compliance across reporting cycles.
• Define and maintain end-to-end reporting processes, including logic, validation, quality control, and audit readiness. Promote continuous improvement through standardized workflows and documentation.
• Oversee the intake, investigation, and resolution of disputes and reporting defects. Establish scalable processes, SLAs, and cross-functional escalation paths to ensure timely corrections.
• Serve as business lead for CBR-related systems and platform transitions. Partner with technology teams to ensure tools and data pipelines support accurate and compliant reporting.
• Implement controls to validate reporting integrity and flag anomalies. Build dashboards and tools to monitor success rates, disputes, and exceptions.
• Maintain expertise in FCRA, Metro2, and CDIA standards. Ensure reporting practices align with laws and bureau guidelines and proactively address risks.
• Serve as the subject matter expert, partnering with compliance, legal, operations, product, analytics, and engineering teams to drive alignment and operational excellence.
• Provide hands-on leadership to ensure the program operates in a steady, auditable state. Represent the function in audits, leadership updates, and bureau interactions.

Qualifications

• 7+ years of credit bureau reporting experience with strong Metro2 knowledge
• Expert-level knowledge of CBR regulatory requirements (FCRA, CDIA)
• Experience remediating reporting issues and implementing durable solutions
• Proven success designing and managing operational reporting processes in regulated environments
• Strong data skills (Excel, SQL) and experience writing business requirements
• Ability to lead cross-functional projects and communicate effectively

Preferred Qualifications

• Familiarity with DA360 or similar reporting platforms
• Experience in fintech, consumer lending, or financial services
• Background in change management, system implementations, or operational excellence