As a Manager, Credit Reporting in our Melbourne Headquarters Credit Reporting department, you9ll oversee the accuracy, completeness, and regulatory compliance of consumer credit data furnished to credit reporting agencies. You9ll lead a team of specialists, set strategic direction for credit reporting operations, manage quality control routines, and serve as a subject matter expert for FCRA, FACTA, Metro 2AE standards, and credit reporting best practices.
Manager, Credit Reporting Key Responsibilities- Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring.
- Ensure timely and accurate credit data reporting in compliance with Metro 2AE specifications, FCRA/FACTA requirements, CFPB guidance, and bureau-specific rules.
- Oversee consumer dispute investigations and resolutions, including e-OSCAR processes, regulatory timelines, quality standards, and escalation of material reporting issues.
- Design, monitor, and improve quality control routines, audits, reconciliations, exception reporting, and corrective action plans to support data accuracy and compliance.
- Partner with Compliance, Legal, Risk, IT, Lending, vendors, and credit bureaus to resolve issues, support audits and regulatory exams, and strengthen reporting controls.
- Lead process improvement initiatives, automate reporting and dispute workflows, track KPIs, provide executive-level insights, and mentor a high-performing team.
Manager, Credit Reporting Requirements- Two-year degree or equivalent industry experience required.
- FCRA Certification required within one year in the position.
- 3-5 years of experience in credit reporting or a related industry required.
- Minimum of one year of prior supervisory or management experience required.
- Deep expertise in Metro 2AE, FCRA, FACTA, CFPB expectations, and consumer dispute handling required.
Manager, Credit Reporting Compensation- Starting Salary: $99,000 - $104,000
- Bonus Opportunity: Eligible for a 7%ONE SCCU Annual Bonus.
SCCU Benefits - Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
- Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
- Education Support: Tuition reimbursement after one year of service.
- Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
- Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!
Work Schedule- Monday - Friday 8:00am - 5:00pm.
- Occasional Saturdays as needed.
