Senior Operations Manager - Credit Bureau Reporting

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.  

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

Octane is seeking an experienced and detail-oriented leader to oversee our Credit Reporting and Dispute Management functions. In this critical role, you will serve as the Subject Matter Expert on CDIA/Metro 2® reporting, the Fair Credit Reporting Act (FCRA)/Reg V, and other related regulatory frameworks that govern consumer credit data. You will own and evolve Octane’s credit reporting program from end to end, ensuring data accuracy, compliance, efficiency, and alignment with industry best practices.

This position is ideal for someone who thrives at the intersection of compliance, data integrity, and operational excellence. You’ll manage a team of dispute analysts and collaborate cross-functionally with Compliance, Servicing, Operations, and Technology teams, and drive process improvement initiatives that enhance both regulatory adherence and the customer experience. 

We’re looking for a proactive, hands-on professional who is passionate about building scalable, compliant, and high-performing reporting processes that strengthen consumer trust and support Octane’s continued growth in the lending industry.

Responsibilities: 

• Responsible for Octane’s CDIA/Metro 2 reporting  process including file creation, data quality,  issue resolution, data source systems and troubleshooting data/file requirements
• Considered a Subject Matter Expert in CDIA, Metro2, Fair Credit Reporting Act (FCRA)/Reg V, and other comparable laws and regulatory requirements.
• Responsible for Credit Bureau Disputes Management as well as alignment to the Octane Complaints program ensuring a full lifecycle of data issue and credit bureau reporting are properly maintained
• Own the policies, procedures, process flow, and all other elements that comprise Octane’s Metro 2 CDIA compliant credit reporting program
• Lead and improve Octane’s credit reporting standards and practices, based on dispute trends, regulatory and CDIA update guidance, and regular process testing,
• Own the creation, submission, and audit of Octane’s Metro2 Data Files to all four major CRAs, including data review and filtering/scrubbing of unneeded data before submission. 
• Lead root cause analysis to identify and correct errors in data furnishing processes prior to reporting including data integrity checks, error resolutions, and dispute management.
• Continuously improve the Dispute process through testing, automation, efficiency gains, and training.
• Coordinate with technical teams to manage system and process enhancements to ensure continued compliance with credit reporting requirements
• Act as a resident expert in FCRA compliance and the various rules and requirements related to credit reporting and disputes.
• Oversee key monthly BK Watch, and Deceased Scan, Repo and Debt Sale process outputs from the Collections and Asset Recovery teams as they become inputs to FCRA exception reporting. 

Requirements:

• Bachelor’s Degree followed by a minimum of 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 understanding of the governing principles of consumer loan underwriting, servicing, and collections is preferred
• Experience with the LoanPro platform is preferred
• Experience managing relationships with National Credit Reporting Agencies is preferred

Compensation: In addition to salary, Total Rewards include bonus eligibility, a stock option package, and benefits as outlined below. The role described above offers a base salary of $100,000 to $125,000 + corporate bonus eligibility. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity

Benefits:

• 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
• Powersports Safety Benefit

Disclaimer:  The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification.  They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.  All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.

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