OnDeck is hiring a

Dispute and Credit Reporting Lead

Denver, United States

What excites us at OnDeck? Technology. Innovation. Small businesses. We believe in our team members and power their growth through challenging them every day and offering inspiring careers. We’re all about collaboration, passion and making an impact. Oh and having fun – Whether it’s community service events, book club meetings, team get-togethers or weekly social hours in the office.


OnDeck (ONDK) uses data aggregation and electronic payment technology to evaluate the financial health of small and medium sized businesses to efficiently deliver capital to a market underserved by banks. Through the OnDeck platform, millions of small businesses can obtain affordable loans. We are changing the way small businesses borrow money by combining our passion for Main Street with cutting-edge technology. We evaluate businesses based on their actual performance, not personal credit, and that’s enabled us to say “yes” more often and faster than traditional lenders.

Job Description: 

We are looking to hire a talented individual to lead a new process of credit reporting individual owners (personal guarantors) of business loans.  The position may be either in our Denver, CO, Arlington, VA, or New York, NY offices. We are seeking a highly motivated, self-starter who enjoys working in a dynamic, fast-paced and collaborative environment. In this challenging position, you will report to our Director of Customer Service, and work closely with members of the risk team, the customer service team, the collections team, the operations team, the legal department and other departments as needed. Simply put, we are seeking a motivated and experienced individual to help a rapidly growing, newly public, company execute its business plan.

As a Dispute and Credit Reporting Lead at OnDeck, you will:

Work closely with various departments in formulating, developing and executing a process consistent with the Federal Fair Credit Reporting Act (“FCRA”) to report on behalf of OnDeck’s wholly-owned subsidiary collection agency to the three credit reporting agencies (“CRAs”) delinquent loans against business owners’ (i.e., personal guarantors’) credit profiles.

Develop policies, procedures and processes consistent with the FCRA to report such loans, including, but not limited to, leading and being responsible for the following processes:

  • Lettering individuals of intended reporting,
  • Building the appropriate technological processes to report to the CRAs,
  • Implementing the actual processes of account selection for reporting and reporting itself,
  • Administering dispute management consistent with the FCRA (e.g., direct disputes, indirect disputes, e-oscar disputes),
  • Resolving exception reports consistent with the FCRA,
  • Implementing quality assurance protocols to assure that loans are accurately identified for reporting, loans are accurately reported, disputes and exceptions reports are properly handled, and that such other quality assurance protocols are effectuated as appropriate,
  • Performing such other responsibilities as appropriate to establish and manage a capable and legally-compliant consumer reporting platform consistent with the FCRA.

Work in other matters as assigned.


Necessary qualifications for success:

  • You have at least 2 years of relevant experience overseeing the reporting of tradelines to the CRAs.
  • You have a deep understanding of the FCRA, Metro 2 guidelines, as well as recent consent orders entered into by the Consumer Financial Protection Bureau (“CFPB”) which elucidate the CFPB’s detailed expectations relative to compliant FCRA reporting practices.
  • You have experience working with the CRAs in all facets of consumer reporting.
  • You are very capable in Microsoft Excel.
  • You have an undergraduate degree from an accredited college or university.
  • You are self-assured and upbeat with a dynamic personality and can inspire the confidence of departmental colleagues and all other departments of the company.
  • You have excellent analytical and communication skills.
  • You effectively prioritize and handle multiple matters.
  • You have the ability and dream to work both collaboratively and autonomously.
  • Willingness to travel to OnDeck’s other two offices as needed.


What we offer you:

  • Medical, dental, vision, and life benefits from day one.
  • Paid/flexible sick-leave, vacations, and holidays so you can take off the time that you need when you need.
  • Up to four months paid parental leave for all new parents. Adoption assistance with reimbursement of up to $5K. We want you to have time to bond with your new bundle of joy.
  • Order lunch on us from Seamless. You can order what you want, when you want and from where you want.
  • We’ll match your 401(k) contributions and offer a discount through our Employee Stock Purchase Plan. All to complement your personal financial strategy.
  • We want to help advance your career. Take classes relevant to your job and the first $5K is on us.
  • Enjoy our annual company summer party, holiday party and department quarterly outings.
  • Semi-annual Hackathons to give our teams a fun way to innovate together and come up with awesome ideas.
  • Our partnership with SoFi gives you access to student loan refinancing, personal loans and even mortgages. 
  • We work hard, we play hard. Build or join an OnDeck intramural club, group, and/or sports team and be part of our OnDeck Community.
  • Fully stocked kitchens with free snacks & drinks.

 As part of our dedication to maintaining an inclusive and diverse workforce, OnDeck provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, OnDeck complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

OnDeck expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of OnDeck’s employees to perform their job duties may result in discipline up to and including discharge.


**No external recruiters or agents, please.**