---
title: 'Credit Dispute Lead at Kiwi Financial Inc'
canonical: 'https://feeny.ai/job/credit-dispute-lead-kiwi-financial-inc-santo-domingo-p6qtw5s86m4q'
type: 'job'
last_seen: '2026-11-05'
---

# Credit Dispute Lead at Kiwi Financial Inc

- **Company:** Kiwi Financial Inc
- **Location:** Santo Domingo, Dominican Republic
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-30
- **Last confirmed live:** 2026-11-05
- **Apply:** https://jobs.ashbyhq.com/kiwi/94661e71-49c8-43af-93a2-a8fcba9636d1

## Job description

We are looking for a Credit Dispute Lead to own our credit reporting dispute function end to end. You will lead the dispute team, ensure every dispute is resolved accurately and on time, and drive improvements to our credit reporting data and processes.

## Key Responsibilities

- Lead, train, and review the work of the Credit Dispute Analyst(s), including quality control and productivity tracking.
- Oversee direct disputes (letters, email, CFPB complaints) and indirect disputes (e-OSCAR ACDV), ensuring FCRA response deadlines are met.
- Manage AUD corrections and ensure Metro 2 accuracy across all bureaus.
- Handle complex cases: charge-offs, settlements, bankruptcies, identity theft claims, DOFD and payment history questions.
- Identify root causes of recurring disputes and partner with Data, Engineering, and Compliance to fix them at the source.
- Maintain dispute SOPs, templates, and audit-ready documentation.
- Report dispute volumes, trends, and risks to leadership.

## Qualifications

- 4+ years of experience in credit reporting disputes within lending, fintech, or banking, including at least 1 year leading or mentoring others.
- Expert knowledge of FCRA, Metro 2 format, e-OSCAR, ACDV/AUD workflows, and bureau requirements.
- Working knowledge of TILA/Reg Z, ECOA, UDAAP, SCRA/MLA, FDCPA/Reg F, and CFPB supervisory expectations.
- Strong loan math: interest rate vs. APR, amortization, daily accrual, fees, payoff, and the effect of partial, early, or late payments; ability to reconstruct and explain a payment ledger.
- SQL or strong data skills to validate reporting at scale (preferred).
- Audit mindset with rigorous documentation and traceability.
- Fully bilingual English and Spanish, written and spoken.

Based in Dominican Republic.

## About Kiwi Financial Inc

## Company Overview
- **One-liner**: Kiwi Financial (Kiwi) is a digital fintech platform that provides personal loans and credit-building tools specifically designed for U.S. Hispanic consumers with limited or no credit history.
- **Entity Type**: Private (funding stage: Series A + debt facilities)
- **Headquarters**: San Juan, Puerto Rico (with additional offices in New York, NY)
- **Founded**: 2020
- **Founders**: Mariano Sanz and Alexander Schachter

## Core Business
- **Primary industry**: Consumer Finance / Fintech
- **Target customers**: B2C – U.S. Hispanic consumers who are underbanked or have thin credit files
- **Mission**: To empower Latinos by providing tools and resources to establish credit, access capital, and save money.

## Products & Services
- **[Kiwi Personal Loans]**: Unsecured personal loans up to $3,000 with flexible installment payments. The application and account management are 100% digital. Payments are reported to all three major credit bureaus (TransUnion, Experian, Equifax), helping customers build credit history. The platform uses 256-bit SSL encryption for security. [kiwicredito.com](https://www.kiwicredito.com/en)

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Total funding of **$190.93M**, including a $100M credit facility from Community Investment Management (CIM) closed in November 2025, a $7.8M Series A co-led by LIP Ventures Boutique and Advent-Morro Equity Partners in June 2025, and earlier seed rounds totaling $8M. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial)
- **Notable Investors/Partners**: Community Investment Management (CIM), Advent-Morro Equity Partners, Neer Venture Partners, Independent Capital, Invariantes Fund, LIP Ventures Boutique.
- **Growth Signals**: Served over **100,000 consumers** to date; headcount grew **+20.7% YoY** (conflicting reports: LinkedIn shows ~59 employees, Built In shows 101); expanding into additional U.S. states; planning to launch new products (savings, spending tools); partnership with CIM signals strong institutional confidence. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom)

## Competitive Advantages
- **Niche focus**: Exclusively targets the U.S. Latino market, which represents nearly 20% of the U.S. population and contributes over $4 trillion to the economy annually, yet remains vastly underserved by mainstream banks.
- **AI-driven underwriting**: Uses alternative data and AI to evaluate creditworthiness for consumers with no traditional credit history, enabling approvals where others decline.
- **Credit building**: Reports loan payments to all three credit bureaus, directly helping customers establish a credit score while accessing capital.
- **Proven playbook**: Founders adapted successful credit-building models from emerging markets (Dominican Republic) to the U.S. Hispanic demographic.

## Strategic Focus
- **Geographic expansion**: Entering new U.S. states to reach more underserved communities.
- **Product expansion**: Building a full financial platform beyond loans – including savings and spending tools – to deepen customer engagement and economic mobility.
- **AI infrastructure**: Scaling AI capabilities to improve underwriting, customer experience, and operational efficiency (evidenced by active hiring for Senior AI Platform Engineer roles). [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi)

## Why Work Here
- **Mission-driven**: Opportunity to work on financial inclusion for a fast-growing, underserved demographic with tangible social impact.
- **Remote-friendly**: Offers remote work options with physical offices in New York, NY (onsite) and San Juan, Puerto Rico. Employees are distributed across 8 countries (Colombia, Dominican Republic, Argentina, Mexico, Puerto Rico, etc.).
- **Engineering culture**: Emphasis on AI, platform engineering, and data science; active hiring for senior technical roles (Senior Platform Engineer, Senior AI Platform Engineer).
- **Growth trajectory**: Young company (founded 2020) with strong funding, rapid headcount growth, and clear product roadmap – ideal for those seeking high-impact roles in a scaling fintech.
- **Diverse team**: Multicultural workforce with leadership from Dominican Republic, Argentina, and Puerto Rico; talent sourced from companies like Mercado Libre, Scotiabank, and Platzi.

## Sources
1. [kiwicredito.com](https://www.kiwicredito.com/en) – Company website (product details, mission)
2. [cbinsights.com](https://www.cbinsights.com/company/kiwi-financial) – Funding history, headquarters, investors
3. [builtin.com](https://builtin.com/company/kiwi-kiwicreditocom) – Careers, culture, headcount, office locations
4. [linkedin.com](https://www.linkedin.com/company/kiwi-credito) – Employee count, growth, recent hires, locations
5. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/kiwi) – Active job postings (Senior AI Platform Engineer, etc.)

## Other roles at Kiwi Financial Inc

- [Collections Agent](https://feeny.ai/job/collections-agent-kiwi-financial-inc-santo-domingo-f082s4g7m6c2) — Santo Domingo, Dominican Republic
- [Compliance Analyst](https://feeny.ai/job/compliance-analyst-kiwi-financial-inc-santo-domingo-pxb4j5sem4ws) — Santo Domingo, Dominican Republic
- [Credit Dispute Analyst](https://feeny.ai/job/credit-dispute-analyst-kiwi-financial-inc-santo-domingo-ge77yth916br) — Santo Domingo, Dominican Republic