Credit Dispute Specialist

Position Summary :

Handles the credit dispute functions and ensures the efficient use of company resources and technical capabilities to properly investigate account information and provide accurate credit report information to the major credit bureaus. Works with Compliance to audit and facilitate the correction of data transmitted to all major credit bureaus.

Essential Duties and Responsibilities:

• Adheres to Stellantis Financial Services' policies and procedures for credit dispute resolution, ensuring compliance and thorough investigations.
• Conducts detailed investigations of all direct and indirect credit disputes, ensuring timely and accurate responses to borrowers and credit repair companies.
• Investigates claims of identity theft and reviews transactions to ensure the accuracy of information furnished to consumer reporting agencies.
• Identifies systemic errors or trends within account data, reporting findings to management, and maintains certification in Fair Credit Reporting Act (FCRA) requirements.
• Ensures compliance with FCRA in researching and responding to credit disputes, maintaining service levels, and updating account statuses as necessary.
• Acts as a liaison between consumer reporting agencies, E-Oscar, and Stellantis Financial Services management, resolving credit bureau-related issues and assisting with customer inquiries.
• Ensuring information is reported accurately and is processed promptly whether it is a direct or indirect dispute.
• All other duties assigned.

Qualifications and Competencies Required : To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• Minimum of 1 year of research and investigation experience required.

Education:

• High school diploma and/or GED.

Skills Required:

• Language Skills: Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence.
• Computer Skills: To perform this job successfully, an individual should have beginning to intermediate skills in Microsoft Office including MS Word, MS Excel, and MS Outlook.
• Reasoning Ability: Able to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
• Mathematical Skills: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
• Overtime required: required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Houston, TX.

Qualifications Preferred:

• Prior Credit Dispute or Compliance experience.
• Knowledge of FCRA.
• Minimum of 1 year of regulatory background.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.

Work Schedule: This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 8AM-6PM Monday through Friday and on weekends as needed. Travel is required 10% of the time.

Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.