Senior Manager, CBR & FCRA Risk Governance

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

Octane is hiring a leader to own our CBR & FCRA risk governance program, overseeing credit reporting and dispute management end to end. This role is the resident Subject Matter Expert on CDIA/Metro 2®, FCRA, and Reg V, and holds full ownership of credit reporting policies, procedures, and workflows. The role directs monthly Metro 2® file creation, scrubbing, auditing, and submission across all four major CRAs, and leads root cause analysis to catch furnishing errors before they reach the bureaus. It also oversees Credit Bureau Dispute Management alongside the broader Complaints program, working with the existing team to resolve exceptions from Bankruptcy, Deceased Scans, Repossession, and Debt Sales through a mix of manual and automated processes. This person will serve as the primary CBR point of contact, partnering with Legal, Risk, Operations, and Engineering to ensure credit reporting compliance is accounted for across both new initiatives and existing processes and systems.

Responsibilities:

Program Ownership & Regulatory Expertise

Serve as the Subject Matter Expert (SME) on CDIA, Metro 2, FCRA, and Reg V guidelines, directly owning all credit reporting policies, procedures, workflows, and process mappings.

Data Furnishing & CRA Submission

Direct the end-to-end creation, data quality scrubbing, auditing, and submission of monthly Metro 2 data files across all four major Credit Reporting Agencies (CRAs).

Dispute & Lifecycle Management

Oversee Credit Bureau Disputes Management aligned with the broader Complaints program, maintaining complete lifecycle tracking and resolving data furnishing exceptions.

Data Integrity & Root Cause Analysis

Lead troubleshooting, system checks, and root cause analysis to identify, correct, and resolve data furnishing errors prior to reporting.

Downstream Integration

Oversee exception inputs from key collections and asset recovery processes, including Bankruptcy, Deceased Scans, Repossessions, and Debt Sales.

Team Leadership & SLA Performance

Manage, coach, and develop a team of Dispute Analysts to meet key performance indicators (KPIs), maintain dispute response SLAs, and oversee Quality Assurance (QA) audits.

Cross-Functional & Technical Alignment

Collaborate with technical and cross-functional teams to implement system enhancements, automation, and scalable controls that ensure ongoing regulatory compliance.

Continuous Improvement

Maintain an issue inventory to drive continuous optimization of dispute workflows, data updates, and operational efficiencies.

Culture & Organizational Leadership

Champion company culture and core values across the department, driving change management and promoting cross-departmental collaboration.

Requirements:

Bachelor’s Degree followed by 7+ years of professional experience at a Consumer Lending centric organization; leading a FCRA/Metro 2 related function.

5+ years in a supervisory or leadership role while managing Line of Business Process requirements for Monthly FCRA file transmission.

Demonstrable experience working directly with FCRA Compliance and credit bureau disputes including enterprise level process management and oversight of related process outputs.

Experience working with consumer financial laws and regulations including but not limited to ECOA, TCPA, FCRA, TILA, UDAAP, FDCPA, etc.

Experience managing the eOscar dispute platform at an enterprise level.

Strong grasp of consumer loan underwriting, servicing, collections, and vendor relations with major Credit Reporting Agencies (CRAs), paired with the ability to independently manage processes against strict regulatory deadlines.

Skilled in analyzing large datasets for criteria compliance, with a firm understanding of software development concepts and hands-on experience using LoanPro.

Proven ability to manage high-volume work queues and multidisciplinary tasks, driving team performance while adapting seamlessly to changing software, guidelines, and processes.

Compensation: In addition to salary, Total Rewards include a stock option package, and benefits as outlined below. The role described above offers a base salary of $140,000 to $155,000. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity.

Benefits:

Robust Health Care Plans (Medical, Dental & Vision)

Generous Parental Leave

Flexible Time Off (FTO) Policy - Time Off When You Need It

Retirement Plan (401k) with company match!

Educational Assistance/Tuition Reimbursement up to $3K/year

Life Insurance (Basic, Voluntary & AD&D)

Short Term / Long Term Disability

Robust Ancillary benefits including accident insurance, hospital insurance, etc

Wellhub (Gympass) Wellness Benefit

Recreational Safety Benefit

Disclaimer : The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.