Barclays Hiring for Credit Bureau Dispute Analyst Job at New Delhi Full Time

Job Title: Credit Bureau Dispute Analyst

Location: Noida

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.

Hybrid Working

We are currently in the early stages of implementing a hybrid working environment, which means that many colleagues spend part of their working hours at home and part in the office, depending on the nature of the role they are in. We’re flexible on how this works and it may continue to change and evolve. Depending on your team, typically this means that colleagues spend a minimum of between 20% to 60% of their time in the office, which could be over a week, a month or a quarter. However, some colleagues may choose to spend more time in the office over a typical period than their role type requires. We also have a flexible working process where, subject to business needs, all colleagues globally are able to request work patterns to reflect their personal circumstances These requests will be reviewed and agreed for a period of time i.e., will have a start and end date.
Please discuss the detail of the working pattern options for the role with the hiring manager.

Introduction:

• 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?

Noida

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.

Purpose, Values and Mindset

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 Mindset shapes how we take action, living by our Values, driven by our Purpose, always with our customers and clients at the heart of what we do; our Mindset is to Empower, Challenge and Drive.

Empower

Trust and support each other to deliver. Make decisions with those closest to the topic. Include diverse perspectives. Celebrate success and learn from failure.

Challenge

Question whether things can be done better. Use insights based on data to inform decisions. Be curious about how we can adapt and improve. Speak up and be open to alternative viewpoints.

Drive

Focus on outcomes. Deliver with pace. Be passionate and ambitious about what we do. Take personal responsibility. Actively build collaborative relationships to get things done.