Sr Analyst, Credit Reporting (Fintech)

Location: Hybrid role based at the downtown Chicago office in the Merchandise Mart; in-office on Mondays, Tuesdays, and Thursdays

Base salary: $50,000–$70,000 per year, plus eligibility for an annual bonus

Company

hirify.global is a digital banking company providing loan and credit card products.

What you will do

• Validate large credit reporting data sets using Excel, Google Sheets, and SQL, correcting Metro 2 field-level defects before bureau transmission.
• Own monthly and mid-cycle submissions to Experian, Equifax, and TransUnion, including exception clearing, reject resolution, and acknowledgement review.
• Investigate indirect e-OSCAR disputes and direct consumer disputes, documenting evidence and outcomes within FCRA statutory deadlines.
• Trace reporting discrepancies across servicing, payments, vendor, and data systems, then lead corrective actions, bulk corrections, resubmissions, and follow-up validation.
• Translate FCRA, Regulation V, FDCPA, ECOA, SCRA, bankruptcy, deceased reporting, and CRRG requirements into process and system improvements.
• Use AI and automation for dispute triage, document summarization, data quality checks, and response drafting with human review controls; coordinate with offshore operations and cross-functional partners.

Requirements

• Bachelor’s degree; business, finance, or accounting background is a plus.
• 3+ years of experience in credit reporting, dispute resolution, servicing operations, or consumer lending compliance.
• Working knowledge of the FCRA, Metro 2 format, and CDIA Credit Reporting Resource Guide; e-OSCAR experience is strongly preferred.
• Proficiency with Google Suite, Microsoft Excel, and SQL for querying and validating large data sets.
• Experience using AI or automation tools such as Anthropic Claude or Google Gemini, with strong analytical, investigative, communication, and prioritization skills.
• Ability to work the hybrid Chicago schedule and collaborate with offshore partners across time zones.

Nice to have

• Experience with consumer-facing, regulator-facing, CFPB, state attorney general, or BBB credit reporting matters.
• Finance, business, or accounting education.

Culture & Benefits

• Medical, dental, and vision insurance options.
• 401(k) match and flexible time off.
• Paid parental leave, adoption assistance, and a post-parental-leave ramp-up program.
• Lunch allowance, in-office snacks, summer Fridays, and social events.
• Collaborative environment focused on authenticity, problem-solving, customer experience, and initiative.