Credit Reporting Specialist

Job Description:

We are seeking an experienced Credit Reporting Analyst to manage and oversee the reporting of

customer credit information to US credit bureaus, ensuring that the data is accurate, compliant with

regulatory standards, and timely. The role requires a strong understanding of credit data, credit bureau

reporting requirements, and experience in working with large datasets and systems to ensure that

consumer credit information is correctly reported to Equifax, Experian, and TransUnion.

Key Responsibilities:

● Ensure accurate and timely submission of customer credit data to the US credit bureaus

(Equifax, Experian, and TransUnion) in compliance with industry regulations and internal

policies.

● Prepare, format, and submit regular and ad-hoc credit reporting files, ensuring data integrity

and accuracy.

● Review and validate credit information to ensure it meets the credit bureaus' formatting and

reporting standards (e.g., Metro 2 format).

● Monitor and troubleshoot data discrepancies, addressing any errors or issues related to credit

reporting.

● Work with internal teams (e.g., data management, legal, and compliance) to resolve

discrepancies or reporting issues and correct any errors or inaccuracies.

● Ensure all credit reporting activities comply with FCRA (Fair Credit Reporting Act), ECOA

(Equal Credit Opportunity Act), and other applicable regulations.

● Stay up-to-date with any changes to credit reporting laws, credit bureau requirements, and

industry standards.

● Develop and maintain reporting processes and documentation to ensure proper audit trails

for credit reporting activities.

● Manage disputes related to credit reporting, working closely with customers, internal

departments, and credit bureaus to resolve issues in a timely manner.

● Ensure disputes are handled in accordance with regulations and guidelines

Skills Required:

● 2+ years experience in US Credit Reporting.

● Should have worked with various credit bureaus in the past.

● Good Communication Skills.

● Great hands on experience with Data management, Creating reports, managing disputes related

to credit reporting.

Job Type: Full-time

Pay: ₹50,000.00 - ₹100,000.00 per month

Benefits:

• Food provided
• Health insurance
• Provident Fund

Schedule:

• Monday to Friday
• Night shift
• US shift

Work Location: In person