Credit Disputes Specialist

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About The Role:

The Credit Disputes Team is part of the Account Servicing Operations Department. This team assists with day-to-day operations to further the businesses’ objectives. We support our customers through the back office to create a positive customer experience (not directly customer facing). This includes processing, reporting, administrative tasks, and projects. The ideal candidate must be a self-starter and have strong attention to detail, verbal communication, analytical and problem-solving skills. The Credit Dispute Specialist focuses on new and ongoing strategic initiatives to support the success of the Phoenix Service Center as a whole. This role is responsible for the processing of credit Indirect Disputes and ensuring compliance with the Credit Reporting Resource Guide (CRRG), FCRA, and business SLAs. The ideal candidate brings a positive mindset to our team environment and embodies the pillars of the Phoenix Service Center (Supporting scalable and efficient growth, providing caring customer experiences, operating with integrity, and building flexible talent and engaged teams).

What You'll Do:

• Ensure the accuracy and timeliness of the processing of credit Indirect Disputes received through eOscar
• Complete credit resolution tasks and daily debt verifications tradeline updates
• Investigate internal escalations for credit reporting corrections
• Assist with other duties, as required
  
  

What We Look For:

• Ability to interpret payment history records, experience with Shaw Systems Spectrum preferred
• Basic knowledge of consumer lending to ensure credit reporting is in line with the Fair Credit Reporting Act (FCRA) and Credit Reporting Resource Guide (CRRG)
• Working knowledge of Microsoft and Google products
• Excellent time management, work prioritization skills, and attention to detail
• Flexible mindset and positive attitude– as a start-up, we are growing quickly and you may need to adapt to changing policies and procedures while maintaining high quality work output
• Excellent written and verbal communication combined with analytical and problem-solving skills
• Proven track record of meeting and exceeding production and quality expectations

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.