Credit Dispute Analyst

Role Summary We are looking for a Credit Dispute Analyst to investigate and resolve consumer credit reporting disputes accurately and within regulatory timelines. In this role, you’ll protect both our customers’ credit profiles and Kiwi’s compliance standing, working closely with Servicing, Compliance, and Data teams to make sure every tradeline we report reflects reality. Key Responsibilities - Investigate and respond to direct disputes and e-OSCAR ACDVs within FCRA deadlines. - Review account history, payment ledgers, and tradeline data to determine reporting accuracy. - Prepare AUD corrections and customer response letters in English and Spanish. - Document each investigation in Jira and Zendesk following SOPs. - Escalate complex cases, fraud claims, and recurring data errors to the Credit Dispute Lead. Qualifications - 1 to 3 years of experience in credit reporting disputes, collections, or servicing within lending, fintech, or banking. - Working knowledge of FCRA, Metro 2, and e-OSCAR; familiarity with TILA, ECOA, UDAAP, SCRA/MLA, and FDCPA. - Understanding of loan math: interest rate vs. APR, principal and interest, amortization, accrual, fees, and payoff; ability to read and explain a payment ledger. - Strong attention to detail and comfort handling high case volumes under deadlines. - Clear writing skills for customer communications. - Fully bilingual English and Spanish, written and spoken. Based in Dominican Republic.