Oportun. Inc

Business Controls Analyst - Credit Card

Req No.
# of Openings
Remote / WFH
Job Locations
Job Post Information* : Posted Date
4 months ago(8/4/2021 11:15 AM)
Credit Cards


The Credit Card Business Controls Analyst ensures quality, product performance, and excellence in operations through execution of monitoring, sampling, and testing for the Credit Card business. As a contributor to the first line of defense, the Business Controls Analyst performs a wide range of duties related to the testing of moderately complex financial products, processes, systems and services. The Business Controls Analyst will be a key contributor in support of preparation for monthly, quarterly, and annual bank partnership audits.



  • Accountable for transactional monitoring, account testing and validation, and monthly report generation
  • Contributes to the planning and execution of internal and external audit requests
  • Identifies and manage exceptions to resolution. Analyze data/processes to identify exception root causes, present and implement solutions as appropriate to mitigate risk
  • Prepares clear, concise reporting of significant findings to be distributed to appropriate internal parties
  • Works in collaboration with internal and external partners to deliver timely results and feedback
  • Partners with the Risk, Compliance, Operations, and Analytics teams to establish and execute on the daily data and operational controls platform for the credit card business


  • Bi-lingual in English and Spanish (oral and written)
  • Self-starter, organized, versatile, and capable of performing work with minimal management oversight
  • Experience analyzing data to identify insights and utilizing insights to drive desired business outcomes
  • Previous credit card industry experience strongly preferred
  • Experience establishing and maintaining robust, scalable processes
  • Proven track record of working in a highly regulated, financial services environment
  • Knowledge of U.S. regulations such as TCPA and FDCPA
  • Excellent written and verbal communication
  • Strong Excel skills and some knowledge of SQL
  • Strong analytical skills and ability to exercise sound judgment in development of compliance solutions
  • Ability to prioritize and meet deadlines

Company Overview


Oportun (Nasdaq: OPRT) is a financial services company and digital platform that provides responsible consumer credit to hardworking people in the United States. Using A.I.-driven models that are built on years of proprietary customer insights and billions of unique data points, we have extended millions of loans and billions of dollars in affordable credit to consumers, the majority of whom live in low-and moderate-income communities. Since about half of our new customers come to Oportun without a FICO score, we play a key role in the communities we serve by being able to offer them an affordable and credit-building alternative to payday and auto title lenders. In recognition of our responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.


With headquarters in California and a remote-first corporate culture, our 3,000+ team members work in Oportun locations and remotely throughout the United States, Mexico, and India.  Our global operations include our Mexico contact centers and administrative offices, our India technology development center, and our US corporate, technology, and retail operations.


We feel privileged to have been named a “Top Workplace” by the Bay Area News Group for three years running, one of Fast Company’s Most Innovative Companies in the World for 2020 and recognized as a TIME Magazine 2018 Genius Company for our impact in helping to reinvent the future of lending. For the last three consecutive years, we have been titled Top Workplace by the Bay Area News Group.



Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups and our Diversity, Equity, Inclusion and Belonging Council.



We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, caste, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.


We encourage you to apply for this position even if you do not match all the qualifications listed for this position. At Oportun, we will consider all experience on a candidate’s application, and we are committed to building a team that encompasses a variety of backgrounds, experiences, and skills.


We will also consider those with criminal histories consistent with the requirements of applicable laws in the locations where the role will be based such as the San Francisco Fair Chance Ordinance and the Los Angeles Fair Chance Initiative for Hiring Ordinance when hiring for roles in locations with such laws.


We are committed to providing reasonable accommodation for qualified individuals with disabilities in our job application process. Applicants in need of special assistance or accommodation during the application or interview process or in accessing our website may contact us by sending an email to talent@oportun.com. Please include your name and preferred method of contact in your email. Please also note that this email address is for requests for assistance only and not for the submission of applications or resumes, which will not be considered through this channel.


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