Job Responsibility:

About Us:

Propel (TSX: PRL) is the fintech company building a new world of financial opportunity by facilitating access to credit for consumers underserved by traditional financial institutions. Through its AI-driven platform, Propel evaluates customers in a more comprehensive way than traditional credit scores can. Our revolutionary fintech platform has already helped consumers access over one million loans and lines of credit and over one billion dollars in credit.

To build a current world of opportunity we bring together the brightest talent to help us build opportunities. We are entrepreneurs and believe in measuring success through results and growing within; talent and hard work never goes unnoticed. At Propel, we are here to change the way employees, customers and shareholders succeed together.

We are a team of passionate entrepreneurs, who foster curiosity and growth in our employees. Our culture is why we've been so successful and why our employees choose Propel to build their careers. It's also why we're one of North America's fastest growing companies and a Best Place to Work.

Join us as we change the way employees, customers and shareholders succeed together.

About You:

As a fast-growing fintech, we stay true to our startup roots. You picture yourself within a vibrant and entrepreneurial organization where your ideas will be heard, and you have an opportunity to showcase your talent. You are motivated by goals, a self-starter and like to wear multiple hats.

Reporting to the Senior Director, Risk Modelling & Data Science, you will be responsible for ensuring the ongoing accuracy and integrity of credit reporting data provided to credit bureaus, analyzing credit reports for trends and discrepancies, and researching, resolving credit disputes.



Additionally, you will be responsible for managing changes in reporting requirements and teaming up with the technology team on enhancements and changes as necessary. This role requires strong analytical, organizational, and problem-solving skills, as well as a thorough understanding of credit reporting regulations and processes.

Responsibilities

- Ensure that credit data submitted to credit bureaus (such as TransUnion, Equifax, and Experian) is accurate and compliant with regulations. This includes pre-transmission file reviews to catch potential errors before the data is sent
- Analyze credit reports to identify trends, patterns, and potential discrepancies
- Identify and implement improvements to processes related to credit bureau reporting and dispute resolution.
- Investigate the reasons behind discrepancies or issues in credit reporting data.
- Resolve credit disputes, both direct and indirect.
- Maintain a thorough understanding of relevant regulations, such as the Fair Credit Reporting Act (FCRA) and Metro 2 guidelines
- Assist in managing audits to identify discrepancies and facilitate corrective actions, as necessary.
- Support Senior Director, Risk Modelling & Data Science

Requirements

- Bachelor's degree, or an equivalent combination of relevant work experience / certifications
- Minimum of 3 years of experience in credit bureau reporting




- Strong problem-solving skills and the ability to think strategically
- Working knowledge of eOSCAR
- SQL knowledge and/or experience using Data Visualization tools (Tableau/ Domo) is an asset
- Excellent communication and interpersonal skills, with the ability to effectively communicate complex technical concepts to both technical and non-technical stakeholders
- Strong project management skills, with the ability to manage multiple projects simultaneously and prioritize competing demands
- Knowledge of regulatory requirements related to FCRA Rules, CDIA/CRRG Guidelines and Metro 2 format
- Proficiency in Microsoft Office Software including Outlook, Word, Excel, and other computer software applications

Perks to Joining Propel

- Growth and opportunity - we pride ourselves on promoting from within
- Incredible company culture
- Competitive salary and health benefits
- Comprehensive vacation package
- Group health and dental benefits
- Group RRSP program
- Support for new parents
- Diverse and inclusive workplace

Should you require accommodation throughout any stage of the recruitment and selection process, please specify your requirements when submitting your application and we will work with you to accommodate your needs.

We welcome and encourage applications from individuals from all groups, including Aboriginal, women, visible minorities, and persons with disabilities, regardless of race, ethnicity, family status, national origin, age, people from gender and sexually diverse communities, and/or people with intersectional identities.

We thank all applicants for showing an interest in this position. Only those selected for an interview will be contacted. No agencies or phone calls.

📌 Credit Reporting Manager (Toronto)
🏢 Propel Holdings
📍 Toronto