SCRA - Operations Support Analyst I - P1

Description

Position Summary

Credit One Bank is seeking a highly analytical Business Analyst with a primary focus on SCRA operations to support compliance, data analysis, and strategic initiatives. This role partners cross-functional teams and Credit Reporting Agencies (CRAs) to ensure accurate handling of SCRA-related processes, improve reporting, and enhance overall data quality. The position also supports broader business analysis efforts, including process improvement, requirements gathering, and testing initiatives. The ideal candidate has strong SCRA experience, excellent communication skills, and the ability to translate complex data into clear, actionable insights.

Essential Job Functions

• Lead and support SCRA operations, ensuring accurate handling of benefits, correspondence, and compliance with regulatory requirements.
• Identify operational gaps, customer-impacting issues, and process inefficiencies within SCRA and back-office functions; develop and implement solutions.
• Act as a Subject Matter Expert (SME) in SCRA processes, operations, and credit reporting, providing guidance and support to teams.
• Partner with stakeholders across Operations, Risk, Technology, and Compliance to define requirements and deliver effective solutions.
• Develop and maintain process documentation, procedures, and process maps to ensure audit readiness and consistency.
• Train, mentor, and support team members to improve performance, quality, and operational execution.
• Support end-to-end project delivery, including requirements gathering, use case development, testing (UAT), and implementation.
• Analyze credit reporting data to ensure compliance with FCRA and Metro2 standards, identifying risks and opportunities for improvement.
• Develop reporting, dashboards, and insights to support operational decision-making and performance tracking.
• Drive automation and data-driven improvements to enhance efficiency, accuracy, and scalability.
• Utilize Agile methodologies to create Epics and User Stories and partner with development teams on system enhancements.
• Collaborate with Customer Communications to draft and refine customer-facing correspondence.
• Strong organizational skills and ability to multitask are crucial.
• Develop and maintain custom reporting and analysis solutions with an eye toward future automation opportunities.
• Perform daily, weekly, and monthly reviews and analyses of current processes using metrics and reports.
• Ensure adherence to all regulatory requirements, internal policies, and industry standards.
• Support ongoing system enhancements, reporting improvements, and process optimization initiatives.
• Perform other duties as assigned.
  
  

Position Requirements

• Bachelor’s degree in business, Finance, Computer Science, MIS, Engineering, or equivalent experience preferred.
• Experience in banking or financial services, preferably in credit cards or back-office operations
• Experience with SQL, Python, Tableau, or automation tools.
• Strong analytical skills with the ability to interpret data, identify trends, and drive insights.
• Experience with reporting, data analysis, and process improvement.
• Familiarity with Agile methodologies and experience writing business requirements (Epics, User Stories).
• Excellent communication skills with the ability to convey complex information clearly.
• Strong organizational skills with the ability to manage multiple priorities.
• Ability to work independently and collaboratively in a fast-paced environment.
• High attention to detail and strong problem-solving capabilities.
• Strong interpersonal skills and ability to influence stakeholders across all levels.
• Knowledge of data governance, data quality and audit frameworks.
• Demonstrate company core values of excellence, ownership, collaboration, and integrity.
  
  

Preferred

• Preferred SCRA experience required.
• Strong knowledge of FCRA regulations and Metro2 reporting standards (CDIA training preferred).
  
  

Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice. Please contact the recruiter for this position to learn more. Credit One Bank does not accept unsolicited resumes from agencies and is not responsible for related fees.