FCRA Credit Dispute Analyst (Part-Time) — Metro 2 / e-OSCAR Experience

PayMe is a US fintech that helps everyday Americans build credit by reporting their rent, utility, and telecom payments to the credit bureaus. We are hiring our first dedicated Compliance Operations Specialist to handle consumer credit disputes for our credit-reporting product. This is a long-term, part-time, fully remote role (~20 hours/week to start, with room to grow into full-time). You will handle consumer disputes from start to finish, working from a detailed operations manual we have already written and will train you on. No prior US credit-reporting experience is required — but you must be obsessively detail-oriented, write English at a near-native level, and follow written procedures precisely. What you will do - Open our admin dashboard at the start of each shift and work the consumer dispute queue - For each dispute: read the consumer's claim, pull the supporting data on file (payment history, identity records, consent records), and decide whether the reported information should be verified, modified, or removed - Draft the response email to the consumer using our template library, and send it - Track 30-day legal deadlines on each case; escalate anything outside your authority to the founders, same-day - Log every action in the dashboard so we have a complete audit trail Why this role is worth your time - Real responsibility from day one — you own the dispute queue - We have a detailed operations manual and we will train you on it; you will be the in-house expert in 60 days - This is a long-term role with hourly raises tied to performance and scope - Direct working relationship with the founding team — no middle layer You will be successful here if you - Write English at a native or near-native level — this is non-negotiable, you will be writing letters to American consumers - Catch your own mistakes — one wrong number in a credit-reporting letter is a real harm to a real person - Follow written procedures exactly and ask clarifying questions when something is unclear, rather than guess - Can commit ~20 hours per week reliably, with at least 4 hours of overlap with US Eastern Time (roughly 9am–1pm ET) - Are interested in growing into a deeper compliance role over time Bonus (not required) if you have any of: prior dispute or complaint-handling experience, customer-support background for a US fintech (Stripe, Plaid, Chime, etc.), or familiarity with FCRA, e-OSCAR, Metro 2, or chargeback workflows. To apply, please reply with 1. A short paragraph about your written-English background — schooling in English, prior writing-heavy work, anything that signals you can write at a near-native level. 2. Your country and timezone, weekly availability, and earliest start date. 3. A short response to this scenario — 2 to 3 paragraphs, in your own words: "A consumer emails us. They say: 'I'm disputing the account you reported to TransUnion last month — it's not mine, I've never lived at that address.' Walk me through what you would do step-by-step in your first hour on this case. Treat me like I am brand new to credit reporting and explain your reasoning." Shortlisted candidates will be invited to a short paid screening exercise (~2 hours, $20 paid on completion regardless of result) before a live call. Looking forward to hearing from you.