Credit Bureau Disputes Analyst

Job Title: Credit Bureau Disputes Analyst
Location: Chennai

About Barclays
Barclays is a British universal bank. We are diversified by business, by different types of customers and clients, and by geography. Our businesses include consumer banking and payments operations around the world, as well as a top-tier, full service, global corporate and investment bank, all of which are supported by our service company which provides technology, operations and functional services across the Group.

Risk and Control Objective
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards.

Working Flexibly
We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports ways to balance your personal needs, alongside the professional needs of our business. Providing the opportunity for all our employees, globally to work flexibly empowers each of us to work in a way that suits our lives as well as enabling us to better service our customers’ and clients’ needs. Whether you have family commitments or you’re a carer, or whether you need study time or wish to pursue personal interests, our approach to working flexibly is designed to help you balance your life.
If you would like some flexibility, then please discuss this with the hiring manager.

The Credit Bureau Disputes Analyst is responsible for processing, resolving, and responding to customer disputes related to credit bureau reporting. The agent acts as a liaison between the company and credit bureaus on regulatory updates and maintains a good relationship with the credit bureaus. The analyst responds to all disputes (direct and indirect) by conducting a reasonable investigation that is in compliance with Fair Credit Reporting Act and CDIA Credit Reporting Resource Guide (Metro 2). The agent ensures confidential, sensitive information and data of the company is secured and disposed of in accordance with company policies and guidelines. In addition to the day to day volumes, this role interacts with Office of the President (complaints) Fraud, Collections and Credit Operations, Compliance, and/or Legal to ensure compliance with laws and regulations and to help minimize any risk that would be associated to Barclays by abiding by the company’s policies and procedures.

What will you be doing?

• Respond to consumer requests through written correspondence in accordance with Federal regulations related to the Fair Credit Reporting Act along with specific state requirements.
• Research customer credit bureau report disputes to ensure Barclays is reporting accurately and correct any reporting errors to ensure that regulations and requirements from both a federal and state level are applied.
• Where applicable, all risk events (incidents) or control failures to be escalated, investigated, reported and fixed at root cause to prevent reoccurrence
• Makes outbound calls as necessary to customers to clarify a customer dispute
• Makes outbound calls as necessary to the consumer reporting agencies
• Consistently meet performance standards set by the department
• Contribute ideas and recommendations for process improvements to the department or company
• Update and respond to Credit Reporting Agencies via eOSCAR timely and accurately
• Interpret and analyse consumer’s written communications.
• Maintain the integrity of the database by ensuring data quality and accuracy.

What we’re looking for:

• Experience in analysing detailed business requirements
• Working knowledge of US Regulatory requirements, specifically data furnishing
• Experience in applying advanced problem solving/analytical skills
• Proficient in TSYS
• Hands on experience with Microsoft Office – Word, Excel, PowerPoint, Access, etc.
• CDIA Data Furnisher Certified
• Flexible to work in US Shift Hours

Skills that will help you in the role:

• Ability in reading and interpreting credit report trade lines
• Must be able to maintain good attendance, follow Company core values and demonstrate a high standard of conduct.
• Strong interpersonal skills - the ability to work within a fast-paced, team environment
• Ability to navigate between various computer applications quickly.
• Strong written and oral communication skills
• Ability to articulate problematic trends while promoting process improvement suggestions
• Must be trustworthy with a strong work ethic
• Understands the basics of “Permissible Purpose”
• Ability to multi-task and work under pressure
• Pays strict attention to detail, understands importance of accuracy and responsiveness
• Flexibility and ability to accept and implement feedback received

Where will you be working?

Chennai

Be More at Barclays
At Barclays, each day is about being more – as a professional, and as a person. ‘Be More @ Barclays’ represents our core promise to all current and future employees. It’s the characteristic that we want to be associated with as an employer, and at the heart of every employee experience. We empower our colleagues to Be More Globally Connected, working on international projects that improve the way millions of customers handle their finances. Be More Inspired by working alongside the most talented people in the industry, and delivering imaginative new solutions that are redefining the future of finance. Be More Impactful by having the opportunity to work on cutting-edge projects, and Be More Valued for who you are.
Interested and want to know more about Barclays? Visit home.barclays/who-we-are/ for more details.

Our Values
Purpose and Values

We deploy finance responsibly to support people and businesses, acting with empathy and integrity, championing innovation and sustainability, for the common good and the long term.
Our values underpin everything we do: Respect, Integrity, Service, Excellence and Stewardship.

Respect
We harness the power of diversity and inclusion in our business, trust those we work with, and value everyone’s contribution.

Integrity
We operate with honesty, transparency and fairness in all we do.

Service
We act with empathy and humility, putting the people and businesses we serve at the centre of what we do.

Excellence
We champion innovation, and use our energy, expertise and resources to make a positive difference.

Stewardship
We prize sustainability, and are passionate about leaving things better than we found them.

Our Diversity

We aim to foster a culture where individuals of all backgrounds feel confident in bringing their whole selves to work, feel included and their talents are nurtured, empowering them to contribute fully to our vision and goals.

Our Benefits

Our customers are unique. The same goes for our colleagues. That’s why at Barclays we offer a range of benefits, allowing every colleague to choose the best options for their personal circumstances. These include a competitive salary and pension, health care and all the tools, technology and support to help you become the very best you can be. We are proud of our flexible working options for colleagues. If you have a need for flexibility, then please discuss this with us.