Manager, Credit Reporting

Space Coast Credit Union; Melbourne (FL); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Hybrid work model

2 days in office per week

Health & Wellness benefits

401(k) match

Education support

PTO + holidays

Exclusive discounts

Job summary

Space Coast Credit Union (SCCU) in Melbourne, FL is seeking a Manager, Credit Reporting to oversee the accuracy, regulatory compliance, and lifecycle of consumer credit data reported to credit bureaus. You will lead a team of specialists, set strategic direction for reporting operations, and ensure adherence to Metro 2, FCRA, and FACTA standards.

This role offers a hybrid schedule with two days in the office, competitive benefits, and opportunities for growth within a not-for-profit

Qualifications

• Two-year degree or equivalent industry experience.
• FCRA Certification within one year in the position.
• 3–5 years of experience in credit reporting or a related industry.
• Minimum of one year of prior supervisory or management experience.
• Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling.

Responsibilities

• Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring.
• Ensure timely and accurate credit data reporting in compliance with Metro 2® specifications, FCRA/FACTA requirements, CFPB guidance, and bureau-specific rules.
• Oversee consumer dispute investigations and resolutions, including e-OSCAR processes, regulatory timelines, quality standards, and escalation of material reporting issues.
• Design, monitor, and improve quality control routines, audits, reconciliations, exception reporting, and corrective action plans to support data accuracy and compliance.
• Partner with Compliance, Legal, Risk, IT, Lending, vendors, and credit bureaus to resolve issues, support audits and regulatory exams, and strengthen reporting controls.
• Lead process improvement initiatives, automate reporting and dispute workflows, track KPIs, provide executive-level insights, and mentor a high-performing team.

Skills

Credit reporting knowledge

Leadership

Regulatory compliance

Education

Two-year degree or equivalent

Tools

Metro 2®

FCRA

FACTA

CFPB expectations

Job description

BAYTREE HEADQUARTERS
8045 North Wickham Road
Melbourne, FL 32940, USA

BAYTREE HEADQUARTERS
8045 North Wickham Road
Melbourne, FL 32940, USA

AtSpace Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Manager, Credit Reporting in our Melbourne Headquarters Credit Reporting department, you’ll oversee the accuracy, completeness, and regulatory compliance of consumer credit data furnished to credit reporting agencies. You’ll lead a team of specialists, set strategic direction for credit reporting operations, manage quality control routines, and serve as a subject matter expert for FCRA, FACTA, Metro 2® standards, and credit reporting best practices.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Hybrid and Flexible Schedule Options: This position is Hybrid with 2 days per week required in office
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Manager, Credit Reporting Key Responsibilities

• Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring.
• Ensure timely and accurate credit data reporting in compliance with Metro 2® specifications, FCRA/FACTA requirements, CFPB guidance, and bureau-specific rules.
• Oversee consumer dispute investigations and resolutions, including e-OSCAR processes, regulatory timelines, quality standards, and escalation of material reporting issues.
• Design, monitor, and improve quality control routines, audits, reconciliations, exception reporting, and corrective action plans to support data accuracy and compliance.
• Partner with Compliance, Legal, Risk, IT, Lending, vendors, and credit bureaus to resolve issues, support audits and regulatory exams, and strengthen reporting controls.
• Lead process improvement initiatives, automate reporting and dispute workflows, track KPIs, provide executive-level insights, and mentor a high-performing team.

Manager, Credit Reporting Requirements

• Two-year degree or equivalent industry experience required.
• FCRA Certification required within one year in the position.
• 3-5 years of experience in credit reporting or a related industry required.
• Minimum of one year of prior supervisory or management experience required.
• Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling required.

Manager, Credit Reporting Compensation

• Bonus Opportunity: Eligible for a 7%ONE SCCU Annual Bonus.
• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Work Schedule

• Monday – Friday 8:00am – 5:00pm.
• Occasional Saturdays as needed.

About SCCU

Since 1951,Space Coast Credit Union (SCCU)has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well‑being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug‑free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.

Qualifications

Skills

Behaviors

Motivations

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Education

Experience

Licenses & Certifications

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.