Credit Bureau Reporting Analyst

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Job Summary

Credit Bureau Reporting Analyst

Key Responsibilities

Data Management

• Collect, validate, and maintain accurate consumer credit data in line with internal policies and credit bureau requirements.
• Ensure high data quality and integrity across reporting systems.

Credit Reporting

• Prepare and submit periodic consumer credit reports to major credit bureaus (Experian, TransUnion, Equifax).
• Ensure adherence to industry standards and reporting timelines.

Regulatory Compliance

• Stay current with applicable credit reporting laws and regulations, including FCRA.
• Ensure reporting practices remain compliant with regulatory and bureau guidelines.

Data Analysis

• Analyze credit data to identify trends, discrepancies, and opportunities for process improvements.
• Support data-driven decision-making through reporting insights.

Issue & Dispute Resolution

• Investigate and resolve reporting discrepancies and errors.
• Manage and respond to consumer disputes via the

  e-OSCAR

  platform within regulatory timelines.

Collaboration

• Partner with internal teams such as IT, Risk Management, and Customer Support to enhance reporting accuracy and efficiency.
• Support system and process enhancements for credit reporting.

Documentation

• Maintain detailed documentation related to reporting processes, methodologies, audit trails, and compliance controls.

Qualifications

• Bachelor’s degree in

  Finance, Business Administration, or a related field

  .
• Proven experience in

  U.S. credit bureau reporting

  , data analysis, or financial services.
• Hands-on experience managing

  e-OSCAR disputes

  .
• Strong knowledge of

  credit bureau reporting standards

  and regulatory requirements (FCRA).
• Proficiency in

  data tools

  such as SQL and Microsoft Excel.
• Excellent analytical, organizational, and problem-solving skills.
• High attention to detail with a strong commitment to accuracy.
• Strong written and verbal communication skills.

Preferred Qualifications

• Experience in

  U.S. consumer lending or credit risk management

  .
• Familiarity with

  U.S. credit reporting systems and platforms

  .
• Certification in

  Credit Risk Management

  or a related discipline.