Senior Credit Disputes Specialist

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team:

Upstart’s Credit Dispute and Reporting team is responsible for managing and resolving customer disputes related to credit reporting, ensuring accuracy and integrity of credit information, and adhering to regulatory requirements. The credit dispute and reporting team play a vital role in maintaining accurate credit records, resolving disputes efficiently, and ensuring compliance with relevant laws and regulations.

As a Senior Credit Disputes Specialist at Upstart, you will be responsible for handling the credit dispute functions including indirect disputes through e-Oscar, responding to direct disputes in Salesforce, and understanding the credit information that is being reported to the credit reporting agencies month over month. You will be required to make efficient use of the company resources and technical capabilities to properly investigate account information and provide accurate credit report information to the major credit bureaus.

How you’ll make an impact

• Handling the credit dispute functions and ensures using company resources to properly investigate all account information to provide accurate credit information is being reported.

• Act as a liaison between consumer reporting agencies, E-Oscar, and Upstart resolving credit bureau related issues and assisting with customer inquiries.

• Ensuring information is reported accurately and is processed promptly whether it is a direct or indirect credit dispute.

• Ensuring compliance with FCRA in researching and responding to credit disputes, maintaining service levels, and updating account status as necessary.

Minimum Qualifications

• 1-2 years experience working on credit bureau reporting at a Financial Institution.

• Credit dispute resolution experience with in-depth knowledge and familiarity with the credit reporting agencies.

• In depth knowledge and experience working with e-Oscar.

• Familiarity with the Metro2 format and reporting.

Preferred Qualifications

• Strong understanding of key credit reporting laws, including the Fair Credit Reporting Act (FCRA).

• 3-5 years of hands-on experience working in credit dispute resolution, handling a wide range of dispute types.

• Experience reviewing complex credit files, transaction histories, to assist in identifying errors or inconsistencies.

• High School Diploma and/or GED or relevant equivalent experience

Position location: This role is available in the following locations: Remote

Time zone requirements: The team operates on the East/West coast time zones.

Travel requirements: As a digital first company, the majority of your work can be accomplished remotely.

#LI-REMOTE

This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.

At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Hourly Rate Range

$23.41—$31.20 USD

What you'll love

At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly

• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)

• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)

• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.

• Health Savings Account contributions from Upstart for eligible plans (US only)

• Income protection benefits, including life insurance and disability coverage for added financial security

• Paid time off, sick leave, and company holidays, in line with local requirements

• Paid family and parental leave to support caregiving and major life moments (duration varies by country)

• Family-centered benefits to support fertility, parenthood, and caregiving needs

• Employee Assistance Program (EAP) offering mental health support and life-centered resources

• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)

• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you

• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from

• Connection and community through team events, all-company updates, and employee resource groups (ERGs)

• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy