---
title: 'Senior Manager, CBR & FCRA Risk Governance at Octane'
canonical: 'https://feeny.ai/job/senior-manager-cbr-fcra-risk-governance-octane-remote-nfjpx10vgk51'
type: 'job'
last_seen: '2026-09-14'
---

# Senior Manager, CBR & FCRA Risk Governance at Octane

- **Company:** Octane
- **Location:** Remote
- **Work type:** remote
- **Posted:** 2025-11-13
- **Last confirmed live:** 2026-09-14
- **Apply:** https://octane.co/o/who-we-are/careers/jobs-open?gh_jid=7528070003

## Job description

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

Octane is hiring a leader to own our CBR & FCRA risk governance program, overseeing credit reporting and dispute management end to end. This role is the resident Subject Matter Expert on CDIA/Metro 2®, FCRA, and Reg V, and holds full ownership of credit reporting policies, procedures, and workflows. The role directs monthly Metro 2® file creation, scrubbing, auditing, and submission across all four major CRAs, and leads root cause analysis to catch furnishing errors before they reach the bureaus. It also oversees Credit Bureau Dispute Management alongside the broader Complaints program, working with the existing team to resolve exceptions from Bankruptcy, Deceased Scans, Repossession, and Debt Sales through a mix of manual and automated processes. This person will serve as the primary CBR point of contact, partnering with Legal, Risk, Operations, and Engineering to ensure credit reporting compliance is accounted for across both new initiatives and existing processes and systems.

Responsibilities:

- Program Ownership & Regulatory Expertise
- Serve as the Subject Matter Expert (SME) on CDIA, Metro 2, FCRA, and Reg V guidelines, directly owning all credit reporting policies, procedures, workflows, and process mappings.
- Data Furnishing & CRA Submission
- Direct the end-to-end creation, data quality scrubbing, auditing, and submission of monthly Metro 2 data files across all four major Credit Reporting Agencies (CRAs).
- Dispute & Lifecycle Management
- Oversee Credit Bureau Disputes Management aligned with the broader Complaints program, maintaining complete lifecycle tracking and resolving data furnishing exceptions.
- Data Integrity & Root Cause Analysis
- Lead troubleshooting, system checks, and root cause analysis to identify, correct, and resolve data furnishing errors prior to reporting.
- Downstream Integration
- Oversee exception inputs from key collections and asset recovery processes, including Bankruptcy, Deceased Scans, Repossessions, and Debt Sales.
- Team Leadership & SLA Performance
- Manage, coach, and develop a team of Dispute Analysts to meet key performance indicators (KPIs), maintain dispute response SLAs, and oversee Quality Assurance (QA) audits.
- Cross-Functional & Technical Alignment
- Collaborate with technical and cross-functional teams to implement system enhancements, automation, and scalable controls that ensure ongoing regulatory compliance.
- Continuous Improvement
- Maintain an issue inventory to drive continuous optimization of dispute workflows, data updates, and operational efficiencies.
- Culture & Organizational Leadership
- Champion company culture and core values across the department, driving change management and promoting cross-departmental collaboration.

Requirements:

- Bachelor’s Degree followed by 7+ years of professional experience at a Consumer Lending centric organization; leading a FCRA/Metro 2 related function.
- 5+ years in a supervisory or leadership role while managing Line of Business Process requirements for Monthly FCRA file transmission.
- Demonstrable experience working directly with FCRA Compliance and credit bureau disputes including enterprise level process management and oversight of related process outputs.
- Experience working with consumer financial laws and regulations including but not limited to ECOA, TCPA, FCRA, TILA, UDAAP, FDCPA, etc.
- Experience managing the eOscar dispute platform at an enterprise level.
- Strong grasp of consumer loan underwriting, servicing, collections, and vendor relations with major Credit Reporting Agencies (CRAs), paired with the ability to independently manage processes against strict regulatory deadlines.
- Skilled in analyzing large datasets for criteria compliance, with a firm understanding of software development concepts and hands-on experience using LoanPro.
- Proven ability to manage high-volume work queues and multidisciplinary tasks, driving team performance while adapting seamlessly to changing software, guidelines, and processes.

Compensation: In addition to salary, Total Rewards include a stock option package, and benefits as outlined below. The role described above offers a base salary of $140,000 to $155,000. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity.

Benefits:

- Robust Health Care Plans (Medical, Dental & Vision)
- Generous Parental Leave
- Flexible Time Off (FTO) Policy - Time Off When You Need It
- Retirement Plan (401k) with company match!
- Educational Assistance/Tuition Reimbursement up to $3K/year
- Life Insurance (Basic, Voluntary & AD&D)
- Short Term / Long Term Disability
- Robust Ancillary benefits including accident insurance, hospital insurance, etc
- Wellhub (Gympass) Wellness Benefit
- Recreational Safety Benefit

Disclaimer:  The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification.  They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.  All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.

## About Octane

## Company Overview
- **One-liner**: Octane is a fintech company that provides instant, end-to-end financing for recreational lifestyle purchases such as powersports vehicles, RVs, and outdoor power equipment.
- **Entity Type**: Private (multiple funding rounds including debt financing; Series D stage)
- **Headquarters**: New York, New York, United States
- **Founded**: 2014
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Fintech / Specialty Finance / Software Development
- **Target customers**: B2B (dealerships, OEMs) and B2C (consumers seeking financing for recreational vehicles)
- **Mission**: “We connect people with their passions by making lifestyle purchases fast, easy, and accessible.” [octane.co](https://octane.co/o/who-we-are/)

## Products & Services
- **Octane Financing Platform**: A digital lending marketplace and in-house lender (Roadrunner Financial, Inc.) that offers instant credit decisions, flexible terms, and competitive rates for motorcycles, ATVs, mowers, RVs, and more. Includes prime, credit-builder, and first-time buyer programs. [octane.co](https://octane.co/)
- **Dealer Integration**: A fully integrated financing solution that works from online shopping to in-store closing, saving time at the dealership.
- **Media Brands**: Inspires enthusiasts through editorial properties including *Cycle World* and *UTV Driver* (acquired).

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Annual revenue of **$75M** (per LinkedIn) [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Total Funding**: **$5.1B** (includes debt financing across 32 rounds; e.g., $284M debt in Oct 2025, $52M Series D in Aug 2021) [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Notable Investors/Partners**: Not fully named in available data; partners include **Progressive Insurance** and over **30 OEMs** and **4,000 dealer partners**. [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Growth Signals**:
  - Named to the **Inc. 5000** list of fastest-growing private companies in America.
  - Certified as a **Great Place to Work®**.
  - Headcount grew **11.4% YoY** (LinkedIn shows 334 employees; company website states 550+). [linkedin.com](https://www.linkedin.com/company/octane-lending) [octane.co](https://octane.co/o/who-we-are/careers/)
  - Expanded into **marine** and **auto** verticals (recent job postings: Business Development Representative I – Marine, VP Sales & Partnerships – Auto).

## Competitive Advantages
- **Technology-first approach**: Cutting-edge risk algorithms and a fully digital, end-to-end buying experience that delivers instant credit decisions with a soft credit pull.
- **Broad credit coverage**: Serves prime, credit-builder, and first-time buyers, expanding the addressable market beyond traditional lenders.
- **Integrated ecosystem**: Owns media brands (Cycle World, UTV Driver) that drive consumer demand and funnel leads directly into the financing pipeline.
- **In-house lending**: Roadrunner Financial, Inc. provides control over underwriting and customer experience.

## Strategic Focus
- **Market expansion**: Moving beyond powersports into marine and auto verticals.
- **Deepening dealer & OEM partnerships**: Growing the network of 4,000+ dealer partners and 30+ OEM relationships.
- **Product innovation**: Continuing to enhance the digital buying experience and risk modeling to increase approval rates and speed.

## Why Work Here
- **Culture**: Described as “welcoming, collaborative, and innovative” with an inclusive, open, and casual work environment. [octane.co](https://octane.co/o/who-we-are/careers/)
- **Flexibility**: Hybrid and remote roles available; offices in **Manhattan, NY**; **Irvine, CA**; **Irving, TX**; and **Knoxville, TN**.
- **Benefits**:
  - 4+ weeks of PTO
  - Generous parental leave
  - Medical, dental, vision coverage
  - 401(k) match (100% of first 3%, 50% of next 2%)
  - Education stipend up to $3,000/year
  - Gympass membership
  - Powersports safety equipment benefit ($500/year)
  - Charitable donation matching
- **Pay transparency**: Octane commits to publishing salary ranges for all open roles and includes stock option packages or bonuses for eligible positions. [octane.co](https://octane.co/o/who-we-are/careers/)
- **Employee sentiment**: Glassdoor-style rating of **3.3/5** (114 reviews) with work-life balance scored highest at 3.8/5. [linkedin.com](https://www.linkedin.com/company/octane-lending)

## Sources
1. [octane.co - About Us](https://octane.co/o/who-we-are/)
2. [octane.co - Careers](https://octane.co/o/who-we-are/careers/)
3. [octane.co - Homepage](https://octane.co/)
4. [linkedin.com - Octane Lending](https://www.linkedin.com/company/octane-lending)

## Other roles at Octane

- [Title Specialist I](https://feeny.ai/job/title-specialist-i-octane-irving-texas-hvfqmyr31dqy) — Irving Texas, United States
- [Capital Markets Analyst](https://feeny.ai/job/capital-markets-analyst-octane-new-york-new-york-ktt7p7fhfvpn) — New York New York, United States
- [Collections Portfolio Specialist](https://feeny.ai/job/collections-portfolio-specialist-octane-irving-texas-edzpgqsf9tjh) — Irving Texas, United States
- [Director, FP&A - Finance Analytics and Valuation](https://feeny.ai/job/director-fp-a-finance-analytics-and-valuation-octane-new-york-new-york-y3f0s549gykd) — New York New York, United States
- [Senior Software Engineer - Core Products](https://feeny.ai/job/senior-software-engineer-core-products-octane-irving-texas-gnp5e7pe4jz5) — Irving Texas, United States / New York New York, United States
- [Remarketing Specialist I](https://feeny.ai/job/remarketing-specialist-i-octane-irving-texas-737e3kf4zrh5) — Irving Texas, United States
- [Consumer Engagement Representative (Hybrid)](https://feeny.ai/job/consumer-engagement-representative-hybrid-octane-irving-texas-k40mzgrfzd4f) — Irving Texas, United States