Chargeback Analyst - Portfolio Team

Overview

This remote role involves monitoring and analyzing the performance of purchased loans within an enterprise-level portfolio. The analyst will communicate effectively with business partners and internal departments, managing servicing and compliance tasks related to the loan portfolio.

Responsibilities

• Assist the Portfolio Manager in identifying first payment defaults and down payment chargebacks.
• Submit accurate and timely chargeback responses to support dispute resolution.
• Ensure compliance with contract terms and operational agreements for enterprise-level customers.
• Manage enterprise-level providers by tracking thresholds and maximizing return on investment using operational term sheets.
• Monitor post-charge off collection vendor performance and remittances.
• Learn to read contracts and create operational term sheets.
• Assist in developing operational processes and workflows.
• Identify and report "red flags" or trends within data to management.
• Create feedback loops with providers to ensure timely and accurate submissions.
• Participate in special projects focused on continuous process improvements.
• Perform ad hoc duties as assigned.

Requirements

• Bachelor's degree, preferably in Finance or Accounting.
• Strong analytical skills and attention to detail.
• Excellent interpersonal skills and ability to work collaboratively.
• Adaptability to changing business needs with a solution-oriented approach.
• Willingness to learn and ability to multitask.
• Proficiency in Microsoft Excel.

Preferred Qualifications

• Experience with disputes or chargebacks.
• Previous underwriting experience.
• Knowledge of payment portal compliance.
• Familiarity with Hubspot.
• Experience with MS SQL and databases.

Compensation & Benefits

• Medical, dental, and vision insurance.
• 401(k) plan with 4% company match.
• Paid time off: 10 days of PTO, 6 paid sick days, 6 paid holidays, and 1 floating holiday.

Location

• Remote position