Credit Granting - NACS

Be part of an amazing story.

Macy's is more than just a store. We're a story. One that's captured the hearts and minds of America for more than 160 years. A story about innovations and traditions...about inspiring stores and irresistible products...about the excitement of the Macy's 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We've been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.

Job Overview

The Credit Bureau Dispute Analyst researches, resolves, and processes internal and external credit bureau disputes in compliance with FCRA regulations and established company procedures. This role uses E-OSCAR, ACDV Batch, and G360 systems to ensure accurate credit reporting and timely dispute resolution. The Credit Bureau Dispute Analyst conducts thorough investigations, prepares clear and compliant responses to written and electronic customer correspondence, and supports the integrity and accuracy of enterprise credit reporting.

What You Will Do

• Support all credit bureau dispute functions through cross-functional collaboration and shared responsibilities.
• Review, research, and resolve external credit bureau disputes received through E-OSCAR, ACDV Batch, and G360, ensuring compliance with regulatory and procedural requirements.
• Investigate and process internal credit bureau disputes routed through designated queues, maintaining accuracy and adherence to established timelines.
• Conduct comprehensive account investigations by analyzing customer information, account history, system data, and supporting documentation to determine appropriate resolution outcomes.
• Partner with internal departments to gather information, resolve discrepancies, and support timely dispute resolution.
• Identify trends, recurring errors, or process gaps and escalate findings to leadership for review and corrective action.
• Maintain regular, dependable attendance & punctuality
• Foster an environment of acceptance and respect that strengthens relationships, and ensures authentic connections with colleagues, customers, and communities.
• In addition to the essential duties mentioned above, other duties may be assigned.

Skills You Will Need

Regulatory Compliance & Credit Knowledge - Ability to apply FCRA requirements and credit card regulations accurately when researching and resolving disputes.

Dispute Investigation & Analysis - Strong capability to conduct detailed account investigations by analyzing customer data, account history, system records, and supporting documentation.

Credit Systems Proficiency - Experience working within credit and dispute management systems, including E-OSCAR, ACDV Batch, G360, and related platforms (RPLID/FDR preferred).

Attention to Detail & Accuracy - Proven skill in producing precise, compliant dispute resolutions while meeting strict regulatory timelines.

Written & Verbal Communication - Ability to clearly and professionally communicate dispute findings and resolutions through written correspondence and internal discussions.

Cross-Functional Collaboration - Capacity to partner effectively with internal teams to resolve discrepancies and support timely dispute outcomes.

Trend Identification & Problem Solving - Skill in identifying recurring issues, process gaps, or error trends and escalating insights to leadership.

Technical & Office Tools - Proficiency in Microsoft Word, Excel, and PowerPoint to support documentation, analysis, and reporting.

Who You Are

• Candidates with a High School diploma or equivalent are encouraged to apply. Minimum 1 year of experience.
• Regularly required to sit, talk, hear; use hands/fingers to touch, handle, and feel. Occasionally required to move about the workplace and reach with hands and arms. Requires close vision.
• Able to work a flexible schedule based on department and company needs.

What We Can Offer You

Join a team where work is as rewarding as it is fun! We offer a dynamic, inclusive environment with competitive pay and benefits. Enjoy comprehensive health and wellness coverage and a 401(k) match to invest in your future. Prioritize your well-being with paid time off and eight paid holidays. Grow your career with continuous learning and leadership development. Plus, build community by joining one of our Colleague Resource Groups and make a difference through our volunteer opportunities.

Some additional benefits we offer include:

• Merchandise discounts
• Performance-based incentives
• Annual merit review
• Employee Assistance Program with mental health counseling and legal/financial advice

Access the full menu of benefits offerings here.

About Us

This is a great time to join Macy's! Whether you're helping a customer find the perfect gift, streamlining operations in one of our distribution centers, enhancing our online shopping experience, buying in-style and on-trend merchandise to outfit our customers, or designing a balloon for the Thanksgiving Day Parade, we offer unique opportunities to be part of some of the most memorable moments in people's lives.

Join us and help write the next chapter in our story - apply today!

This job description is not all-inclusive. Macy's, Inc. reserves the right to amend this job description at any time. Macy's, Inc. is an Equal Opportunity Employer, committed to a diverse and inclusive work environment.

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