Manager, Credit Reporting

Space Coast Credit Union•Melbourne, FL

2d•$99,000 - $104,000•Hybrid

About The Position

As a Manager, Credit Reporting in our Melbourne Headquarters Credit Reporting department, you’ll oversee the accuracy, completeness, and regulatory compliance of consumer credit data furnished to credit reporting agencies. You’ll 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 2® standards, and credit reporting best practices.

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 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling required.

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 2® 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.