Credit Reporting Specialist

Zippy•Dallas, TX

12d•Remote

About The Position

We’re seeking a detail-oriented Credit Reporting Specialist to join our Servicing Team. In this role, you’ll ensure that borrower credit information is reported accurately, consistently, and in compliance with industry and regulatory standards. You’ll handle bureau reporting, dispute investigations, and data reconciliations that directly impact customer credit health and company risk management. This position is ideal for someone with strong analytical skills, experience in credit or loan servicing, and a passion for accuracy and process improvement - no college degree required.

Requirements

2+ years of experience in credit reporting, loan servicing, or a related financial operations role.
Strong understanding of Metro 2 format and credit bureau data submission.
Knowledge of FCRA and consumer credit reporting regulations.
Excellent attention to detail and organizational skills.
Proficiency in Excel and data reconciliation.
Strong problem-solving and communication skills.

Nice To Haves

Experience with loan servicing systems (e.g., MSP, FIS, LoanServ, or similar).
Familiarity with credit dispute management and audit processes.
Background in consumer lending, mortgage, or auto servicing.

Responsibilities

Prepare, review, and submit monthly credit reporting data to all major credit bureaus (Experian, Equifax, TransUnion, Innovis).
Reconcile and verify loan servicing data to ensure reporting accuracy.
Investigate and resolve credit reporting disputes in compliance with FCRA and Metro 2 guidelines.
Monitor credit data for errors, delinquencies, or inconsistencies and coordinate corrections promptly.
Maintain thorough documentation of reporting processes and system updates.
Collaborate with IT, Risk, and Compliance teams to improve reporting workflows and data quality.
Provide internal reports and insights on servicing and credit performance.
Support audits, system testing, and regulatory reviews as needed.

Benefits

Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.
Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.
Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.
Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.
Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.
Training & Licensing Support: We invest in your professional growth with resources for training and licensing.
Paid Time Off: We offer generous PTO—and we encourage you to use it!
Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.
Parental Leave: We provide paid parental leave to support you and your growing family.
No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.
Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.
Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.