Oportun. Inc

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The person in this role needs to have superior interpersonal skills to navigate the organization and deliver results on both requirements and process development. The individual should also be able to manage multiple projects and resources to implement strategies within the areas of influence.  The individual must be a proactive advocate who strives to deliver quality projects to the Retail organization and have the ability to work around resource and technology limitations to create sustainable and effective business improvements. - Lead in the development of all functional business requirements, acceptance testing of new capabilities, launch and maintenance - Own documentation and define development of business process flows for our current and future operational processes - Become SME for all business systems requirements projects for retail organization in partnership with key business partners. - Develop functional requirements that articulate the future state business needs of the Retail department. - Critically evaluate information gathered from multiple sources, and design detailed solution from high-level information. - Manage partnership with department leads to design new and adapt existing business processes and develop new requirements to support technology design and implementation. - Influence business partners to develop business plans for the adoption of new functionality from our Loan Origination and Loan Management Systems, as well as other relevant technology platforms including our Data Analytics and End User Services platforms, etc. - Manage relationship with the Oportun Engineering team to help in the design of solutions existing and new technology platforms. - Create and maintain workflows, approval processes, and validation rules based on stakeholder requirements. - Work closely with the Learning & Development team to design and develop training materials - Develop and maintain documentation for Retail and train new end users on relevant applications. - Proactively communicate and collaborate with external and internal customers to analyze information needs and functional requirements. - Participate in quality assurance process and acceptance of new software.  - Work with business unit personnel to identify required changes and partner with Engineering and IT teams to develop solutions/plan their development. - Manage enforcement of project deadlines and schedules. - Deliver informative, well-organized presentations and communications.
Req No.
2021-10200
Department
Retail Operations
Location
US-TX-Frisco
Type
Regular Full-Time
- Lead and assist with web application assessments, network penetration tests, wireless security assessments, social engineering, and Red/Purple Team engagements - Proactively research and monitor security-related information sources to aid in vulnerability discovery - Lead and assist with bug bounty and penetration testing program - Perform security incident investigations - Maintaining situational awareness of all active engagements and ensuring the success of business objectives - Participating in conference calls to review results and provide guidance to mitigate or remediate vulnerabilities - Work with engineering and operations teams to perform configuration and deployment of vulnerability scanning and network assessment tools - Create standards and procedures for penetration testing program - Writing formal reports tailored to various executive and technical audiences - Create and socialize procedures for reporting vulnerabilities to the individuals/teams - Coordinate with different teams to perform regular patching and scanning - Other duties as assigned
Req No.
2021-10160
Department
Security
Location
IN-TN-Chennai
Type
Regular Full-Time
- Lead the development of fraud strategy and credit verification roadmap to leverage data and technology to manage fraud, instant approvals, improve customer experience and drive increased loan volumes - Share fraud and credit verification strategy vision with key stakeholders to obtain buy-in and to drive result focused execution - Lead the development of strategies, rules and the execution used in predicting and preventing fraud - Collaborate with the data science team to develop the fraud models and translate those learnings into an actionable strategy - Develop key metrics to track the performance of fraud and verification strategies and is accountable for meeting the set goals. - Identify new data sources and technology that can be used in improving fraud management and verification by working with technology and data vendors - Collaborate with Engineering and product analytics team to improve fraud engine capabilities, automate verification processes and improve customer experience - Develop reporting and analysis used to monitor fraud and verification trends and drive improvements in customer experience
Req No.
2021-10134
Department
Risk
Location
US-CA-San Carlos
Additional Locations
US-TX-Frisco | US
Type
Regular Full-Time
- Responsible for assisting with the management of the day-to-day plan administration of the equity plans, while maintaining the corporate client database, providing reports and completing daily audit requirement to comply with SSAE16 regulations. - Create ad-hoc stock vesting and tax detail reports of employee compensation data. - Reconciliation of month, quarter and year-end outstanding shares, analyze and record all disqualifying dispositions, processing and tracking stock option grants, restricted stock awards exercises, releases. - Perform vesting schedule adjustments, accelerations, ISO limitations and cancellations, and taxation corrections. - Prepare educational materials and training presentations on equity-related topics and organize educational sessions. - Work with and coordinate data flow and activities with other departments such as Human Resources, Payroll, and Finance.  
Req No.
2021-10133
Department
Legal
Location
US-CA-San Carlos
Additional Locations
US
Type
Regular Full-Time
- Partner with our Credit Card teams and manage relationships with senior and cross-functional business leaders to represent the Data Management and Business Insights team and to drive alignment around reporting and metrics measurement. - Own end-to-end data and analytics workflow, including defining success, building necessary data pipelines, generating insights and hypotheses, measuring performance, socializing them across the organization, and creating actionable dashboards and reports. - Provide thought leadership on metric design, data architectures and processes, and data visualization best practices that scale well with the growing needs of the business. - Drive project success though disciplined agile methodologies and strong planning/communication.
Req No.
2021-10130
Department
Risk
Location
US-CA-San Carlos
Type
Regular Full-Time
- Planning and Forecasting: Lead the monthly and annual processes to produce consolidated financial forecasts that provide a roadmap for the company to achieve its strategic objectives.   - Reporting: Prepare dashboards and reporting packages for senior management and the Board of Directors to provide insight into financial performance and metrics that drive the business.  Collaborate closely with the Financial Systems and Accounting teams to ensure data is accurate, timely and relevant.  - Financial Analysis: Conduct financial cost/benefit analyses to support capital allocation decisions around growth and strategic initiatives. - Other: Other ad hoc support and analyses as needed
Req No.
2021-10129
Department
Finance
Location
US-TX-Frisco
Additional Locations
US-CA-San Carlos | US
Type
Regular Full-Time
- Proactively research and monitor security-related information sources to aid in vulnerability discovery - Conduct scans or pen tests to identify vulnerabilities or confirm compliance to security standards - Perform in-depth analysis of vulnerabilities by correlating data from various sources - Facilitate proactive remediation or mitigation of new vulnerabilities by collecting information from threat and vulnerability feeds, analyzing the impact/applicability to our environment and communicating applicable vulnerabilities and recommended remediation actions to the impacted teams - Assist with routine compliance and audit functions to ensure regulatory scanning requirements are satisfied - Provide input to leadership for enhancing the vulnerability management strategy - Ability to develop and maintain metrics and reports on vulnerability findings and remediation compliance - Manage and run vulnerability remediation campaigns. - Document remediation tasks to application and system owners. - Report findings to stakeholders as well as recommendations for remediation. - Track vulnerabilities from identification through to remediation using ticketing systems - Work with engineering and operations teams to perform configuration and deployment of vulnerability scanning and network assessment tools - Create standards and procedures for vulnerability management program - Create and socialize procedures for reporting vulnerabilities to the individuals/teams - Coordinate with different teams to perform regular patching and scanning.
Req No.
2021-10126
Department
Security
Location
IN-TN-Chennai
Type
Regular Full-Time
- Analyze the latest attacker techniques and develop approaches to detect them across the company's diverse environments and endpoints. - Program and automate security controls and other security related tools - Define, implement, and tune detective capabilities and data sources to detect and remediate malicious activity - Work with engineering and operations teams to implement threat detection signals, deploy new tooling, and improve response capabilities. - Analyze security data and report on threats and incidents across various platforms and environments. - Use automation to improve identification and response time and reduce impact when an incident occurs - Define and implement appropriate policies, standards and procedures for security solutions - Own security architecture in collaboration with other team members and functional areas - Assist in investigation and remediation of security incidents and issues - Develop positive partnerships and work closely with other members and stakeholders to align and execute infrastructure changes in a secure manner to support the organization’s tools, apps, and processes - Track security violations and identify trends or exposures that could be addressed by additional training, technical measures, or use of application tools to enhance security - Mentor and manage team of Security Engineers to build automation for detection and remediation. - Other duties as assigned
Req No.
2021-10123
Department
Information Technology
Location
US-CA-San Carlos
Additional Locations
US-TX-Frisco | US
Type
Regular Full-Time
- Deliver monthly, quarterly and annual loss mitigation and expense plan.  Make appropriate trade-offs to maximize P & L impacts. - Lead the legal collections team and strategy development with full consideration for financial results as well as regulatory and reputational risks. - Develop, implement and analyze collection results and outreach strategies.  This includes deploying new tools, omni-channel strategies and overall process re-engineering. - Develop and motivate internal staff by setting appropriate goals and establishing the right reward and recognition structure to retain top performers and manage performance outliers.  - Work with outsourced/offshore service providers to set relevant goals and manage performance as an extension of our internal team. - Develop champion/challenger strategies to maximize performance and promote best practices between internal resources and BPO providers. - Develop champion/challenger approach to testing new ideas and strategies to promote a constant improvement mindset. - Develop root cause analysis structure to correct issues/reasons for customer calls, ultimately reducing the number of customer calls by developing solution-based servicing, presenting more complete, accurate information and self-service options for borrowers. - Maintain awareness of the financial services industry and make recommendations to management as appropriate. - Development of direct and indirect team, interviews and hiring of add to staff, effective management of turnover. - Manage operational budgets and costs as well as develop annual plan and monthly forecasts. - Ensure controls are in place to deliver adequate internal and external audit results as well as identify action plans for self-identified gaps in processes and procedures. - Manage training and development teams as well as policies and procedures to remain compliant and help foster the Oportun mission. - Partner with QA and operational control teams to deliver positive and compliant results while maintaining operational autonomy. - Work with strategic partners to become the Subject Matter Expert and the face of the department to internal and external stakeholders.
Req No.
2021-10103
Department
Collections
Location
US-
Additional Locations
US
Type
Regular Full-Time
- Supporting the growth of the data analytics platform, including, but not limited to AWS & GCP tools for Map Reduce, Object storage, data warehouses and marts, utilizing automation build tools and practicing Infrastructure as Code. - Building automation to further simplify the development and promotion process - Continuously tuning the organization’s existing data analytics practices, helping to define, standardize and measure data analytics activities, demonstrating concrete improvements to data analytics platforms within the organization - Ensuring proper monitoring is crafted to provide support teams capability to respond to issues; develops monitoring and visibility capabilities; reports on incidents, vulnerabilities, and trends - Integrating into cloud team across all cloud specialties and standards, not being limited to only data analytics.
Req No.
2021-10102
Department
Information Technology
Location
US-
Type
Regular Full-Time
- Review customer accounts thoroughly to confirm they meet eligibility criteria set forth by the management to move forward with legal collection efforts - Prepare information and documentation for pending court cases - Update legal and collections systems accurately and in a timely manner - Travel to courthouses in local jurisdictions to represent Oportun in small claims court - During court proceedings, negotiate on the behalf of Oportun Inc. while maintaining within the guidelines set forth by the management team - Be prepared to answer standard questions by the Commissioner holding calendar regarding our case. - Work with the Collections Department to resolve cases efficiently and effectively - Be punctual to all court proceedings in professional attire - Perform special projects and other duties as assigned based on strategy changes - Collaborate with team members to create and support a safe and fun environment to thrive professionally   
Req No.
2021-10097
Department
Collections
Location
US-FL-Hileah
Type
Regular Full-Time
  - Partner with business client and third parties that provide lending as a service to Oportun (partner program) to develop and implement a Partner Originations Program, including all partner review and approval process. - Review and provide advisory support for customer-facing materials and communications for the partner program from marketing through originations. - Provide advisory support for new and existing regulatory training that may be required by Oportun. This includes ensuring that regulatory training is being administered in agreement with the partner program. - Provide advisory support in ensuring that adequate oversight over the partner program is implemented and adhered to. - Partner with the business in ensuring that compliance elements are incorporated in the implementation of a mystery shop program. This includes participating and reviewing results of the mystery shop program and/or other quality assurance programs. - Work with regulatory legal counsel to develop regulatory disclosures as needed. - Work with the business to develop and review necessary regulatory policies and procedures for the partner program, and related compliance management program elements. - Review and comment on policies and procedures to ensure that they are clearly written, comprehensive, provide effective controls, and address compliance with applicable regulations. - Serve as key compliance contact to answer compliance related questions and participate on project teams that includes internal marketing, applications, credit risk, and phone application support, document verification, retail units. This includes expansion or the onboarding of new partners that will provide lending as a service. - Develop and execute periodic comprehensive, risk-based compliance monitoring program covering key compliance risks of third-party originators. - Assist in reviewing complaint responses as needed as it relates to the partner program and originations. - Perform annual risk assessments to identify key areas of risk and need for control enhancements; address risk assessment findings to assure implementation of agreed remediation measures. - Perform special projects, reviews and other duties as assigned.
Req No.
2021-10096
Department
Compliance
Location
US-TX-Frisco
Additional Locations
US-CA-San Carlos
Type
Regular Full-Time
The Business Application Support team @ Oportun sits in the middle of the Oportun Engineering teams, business teams and customers with responsibility of improving functionality and resolving issues that are preventing our agents or customers from being able to successfully apply for new loans or service existing loans.  We’re looking for a Sr.-level, full-stack (core Java back-end with some front-end application development experience) to join our team.  This role will have a tools development focus.  
Req No.
2021-10094
Department
Engineering
Location
US-CA-San Carlos
Type
Regular Full-Time
- Define the overall marketing strategy for partnerships, including messaging, customer journeys, marketing mix, investment recommendations and marketing plan aligned with the go-to-market strategy and business goals for the Lending-as-a-Service program. - Drive marketing innovation by applying audience insights and marketing analytics to deliver marketing campaigns with inspiring creative, impactful messaging, and journeys that achieve business targets and marketing goals - Collaborate and develop strong working relationships with key internal and partner stakeholders to ensure open communications and successful outcomes for Lending-as-a-Service campaigns across multiple partners - Propose, develop and launch innovative marketing campaigns within our partners to raise product awareness and drive incremental sales - Work with the GM of Partnerships to develop and maintain KPI’s to ensure ongoing review and optimization of partnerships - Manage bottoms-up forecasts and marketing budget for partnerships in connection to quarterly and annual plans - Own and optimize all in-store promotional collateral and partner-linked web pages and related online campaigns
Req No.
2021-10075
Department
Marketing G&A
Location
US-CA-San Carlos
Type
Regular Full-Time
- Supporting the growth of the data analytics platform, including, but not limited to AWS & GCP tools for Map Reduce, Object storage, data warehouses and marts, utilizing automation build tools and practicing Infrastructure as Code. - Building automation to further simplify the development and promotion process - Continuously tuning the organization’s existing data analytics practices, helping to define, standardize and measure data analytics activities, demonstrating concrete improvements to data analytics platforms within the organization - Ensuring proper monitoring is crafted to provide support teams capability to respond to issues; develops monitoring and visibility capabilities; reports on incidents, vulnerabilities, and trends - Integrating into cloud team across all cloud specialties and standards, not being limited to only data analytics.
Req No.
2021-10040
Department
Engineering
Location
US-
Type
Regular Full-Time
- Develops and implements learning and development strategies and solutions that support business needs, create organizational capability and drive individual, team and career growth across the company that optimizes organizational capability to achieve strategic business and operational objectives.  - Ensures learning & development strategies and solutions support business needs and are aligned with all relevant Retail and other functional strategies, practices, and objectives. - Utilizing various technology, methodologies, tools and systems, provides critical development and deployment support and services to the learning and development needs of the company, ensuring alignment to our strategic goals and objectives. - Coordinates and supports the Learning and Development team by aligning with the Learning Specialists to support build of appropriate course materials to support courses and specific learning objectives. - Conducts needs assessment with business/division/functional human resources leadership to identify organizational and individual learning and development needs. - Maintains and manages new hire orientation process and training for Retail. - Aligns with business partners to design, develop, implement, facilitate, and evaluate learning and development courses, programs, and processes. - Advises, coaches, and collaborates with management on learning and development programs and processes to ensure consistent and effective implementation across the organization. - Advises and collaborates with leaders across Retail network and bank partnerships regarding learning and development methods and tools. - Maintains awareness of industry trends and benchmark data in order to continually improve the quality and effectiveness of learning and development solutions and processes. - Plans and strategizes availability of trainer support within retail network and bank partnerships. - Other duties as assigned.
Req No.
2021-10039
Department
Retail Operations
Location
US-TX-
Type
Regular Full-Time
- Develop risk, profitability, collection and targeting models used to provide affordable and empowering loans to those who often lack a traditional credit score or are mis-scored by traditional credit bureaus. Nearly half of Oportun's customers lack a valid FICO score. - Discover insights from a myriad of data sources and leverage insights in building models and strategies - Build data pipelines to prepare data for rapid learning in a scalable manner - Design and build machine learning and data infrastructure by partnering with Data and production Engineering teams - Develop new complex features to be used to build next generation of machine learning models - Partner with production Engineering team to deploy models, strategies and verification tools - Communicate and partner with third party data vendors
Req No.
2021-10023
Department
Data & Analytics
Location
US-CA-San Carlos
Additional Locations
US-DC | US-TX-Frisco
Type
Regular Full-Time
- Work closely with Risk Analytics, Product Analytics, Marketing, and Product Management teams to identify and improve performance of Oportun’s unauthenticated web presence - Utilize strong analytics skills, business acumen and attention to detail to provide data and analysis to assist in solving complex business problems - Serve as a core analyst and leader in our SEO improvement efforts - Communicate insights and suggest improvements based on data and observed trends in order to develop and advance Oportun’s core  unauthenticated web platforms - Propose, implement and measure iterative tests to continuously improve customer engagement and marketing funnel performance - Works with high dimensional and fast-moving data to build continually learning systems and through your work have direct impact on revenue and bottom line - Presents analytic output in order to soundly communicate to stakeholders to inform strategic and tactical decision making and guide business decisions - Communicates insights to executive level leadership and cross-business stakeholders - Be an advocate for our customers
Req No.
2021-9997
Department
Data & Analytics
Location
US-CA-San Carlos
Type
Regular Full-Time
- Increase customer engagement and operational efficiency by optimizing resolution offering strategy across numerous communication channels - Work with Data Science team to build predictive behavior scoring and test strategies via champion/challenger tests - Gain deep understanding of the collections portfolio and conduct insights driven analytics to identify areas of improvement - Optimize loan-level NPV and mitigate losses while enhancing customer engagement by developing effective segmentation and customer engagement strategies - Develop and maintain operations and management reporting for all Collections KPI’s - Support capacity planning and staffing forecast for a rapidly growing Collections team spread across multiple call centers - Support operations and proactively solve problems - Partner with engineering team to build new system enhancements
Req No.
2021-9996
Department
Data & Analytics
Location
US-CA-San Carlos
Type
Regular Full-Time
- Establish a compliance risk management framework and compliance management system to satisfy OCC and FDIC regulatory and legal requirements focused on consumer compliance, including privacy, fair lending, deposit, consumer lending products (unsecured, auto, credit card, etc), CRA and BSA/AML compliance. - Be a key player on the team developing and building out a deposit product market entry and growth strategy, including evaluating and helping implement the vendor ecosystem for deposit products. - Interface on a regular basis with the OCC and FDIC re: the establishment of Oportun’s enterprise risk management initiatives for Compliance and BSA/AML and the establishment of the three lines of defense related to those functions. - Assist with providing information to the OCC and FDIC re: Oportun’s national bank application and its application for FDIC insurance for deposits; after approval of these applications, build the necessary Compliance and BSA/AML teams to interface with, manage relationships with and manage exams with these regulatory agencies as well as with the CFPB. - Participate in the development and implementation and the development of policies and procedures related to Regulation B, Regulation CC, Regulation DD, Regulation O, Regulation W, and Regulation E.  Establish the required BSA/AML/OFAC Policies, Standards, Procedures, processes, and related internal controls for the deposit function.  Interface with fraud risk management to develop effective tools and monitoring arising from the digital nature of the deposit platform to manage fraud effectively. - Develop second line oversight with appropriate testing of both the regulatory compliance and BSA/AML functions, including by leveraging automated compliance and BSA/AML control and monitoring systems. - Perform required regulatory compliance related risk assessments and BSA/AML and OFAC stand-alone risk assessments and oversee the remediation of any gaps revealed by those risk assessments. - Interface with various bank partners and distribution partners to ensure that compliance management system meets the partners’ expectations while ensuring that the partners meet required Third Party Risk Management standards  - Enhance firm wide compliance and BSA/AML training programs.  Develop and/or approve customized training curriculum where needed for regulatory compliance and BSA/AML/OFAC functions. - Prepare and provide reporting to the Audit and Risk Committee of Oportun’s Board of Directors regarding the status of the Bank’s Compliance and BSA/AML programs as well as any matters requiring Board attention. - Position can be 100% remote, but some travel will be required once travel restrictions are lifted.
Req No.
2021-9995
Department
Compliance
Location
US-CA-San Carlos
Type
Regular Full-Time