Credit Reporting Specialist

Department: Operations

Employment Type: Full Time

Location: Client

Compensation: ₱35,000 - ₱50,000 / month

Description

We’re seeking a detail-oriented Credit Reporting specialist to join our Servicing Team.

In this role, you’ll ensure that borrower credit information is reported accurately, consistently, and in compliance with industry and regulatory standards. You’ll handle bureau reporting, dispute investigations, and data reconciliations that directly impact customer credit health and company risk management.

This position is ideal for someone with strong analytical skills, experience in credit or loan servicing, and a passion for accuracy and process improvement — no college degree required.

Key Responsibilities

• Prepare, review, and submit monthly credit reporting data to all major credit bureaus (Experian, Equifax, TransUnion, Innovis).
• Reconcile and verify loan servicing data to ensure reporting accuracy.
• Investigate and resolve credit reporting disputes in compliance with FCRA and Metro 2 guidelines.
• Monitor credit data for errors, delinquencies, or inconsistencies and coordinate corrections promptly.
• Maintain thorough documentation of reporting processes and system updates.
• Collaborate with IT, Risk, and Compliance teams to improve reporting workflows and data quality.
• Provide internal reports and insights on servicing and credit performance.
• Support audits, system testing, and regulatory reviews as needed. 

Skills, Knowledge and Expertise

• 2+ years of experience in credit reporting, loan servicing, or a related financial operations role.
• Strong understanding of Metro 2 format and credit bureau data submission.
• Knowledge of FCRA and consumer credit reporting regulations.
• Excellent attention to detail and organizational skills.
• Proficiency in Excel and data reconciliation.
• Strong problem-solving and communication skills.

Preferred:

• Experience with loan servicing systems (e.g., MSP, FIS, LoanServ, or similar).
• Familiarity with credit dispute management and audit processes.
• Background in consumer lending, mortgage, or auto servicing.

Benefits

• Above market salary
• HMO on Day 1 for principal and two dependents
• Government-mandated benefits
• Performance-based Incentives
• Quarterly Company Events
• 1,000 PHP De Minimis
• Equipment and software provided