OppFi is a leading tech-enabled digital finance platform that works with banks to provide financial products and services for everyday Americans. Through a transparent and responsible platform, which includes financial inclusion and excellent customer experience, the Company supports consumers who are turned away by mainstream options to build better financial health.
We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.
A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2025 Crain’s Fast 50™ company and were named on Built In's 2025 Best Places to Work in Chicago.
About the job:
This role is within Oppfi Operational Risk Organization, with close partnerships with the business owners from Ops, Product, Marketing, and Credit.
What you get to do:
- Execute various strategies and process-improvement efforts across OppFi to improve risk-management, control-design and co-execution of internal/Bank processes.
- Perform root cause analysis for risk issues (e.g., issues, complaints, defects, findings etc.) with compelling reporting for all organizational levels to improve overall change-management capabilities (e.g., new initiatives).
- Independently validate resolutions to ensure they adequately address root cause and evaluate where resolutions and/or corrective actions are sustainable. Oversee documentation and evidence provided to support the closure and remediation of issues.
- Establish escalation protocols associated with issues and/or reporting as needed to drive appropriate ownership, resolution and accountability.
- Develop reporting and trend analytics for operation risk exposure and mitigation activities.
- Prepare and support business partners for internal and external exam management from self-disclosure identification, engagement, and final report remediation's.
What you will bring to the team:
- At least 3+ years of work experience in the area(s) of banking, compliance and risk management and process engineering.
- Hands-on, relevant experience designing and operationalizing financial service operations with knowledge of consumer regulatory risks (e.g., SCRA, Fair Lending, UDAAP, AML/BSA, Privacy etc.)
- Experience in Financial Services sector (e.g., banking, insurance, payment), FinTech, and/or knowledge with digital financial products and platforms
- Passion for driving transformation or change projects and ability to surface and implement opportunities for innovation and improvement.
- Broad risk management experience with an understanding of the three lines of defense, approaches for assessing inherent risk, evaluating control effectiveness and the ability to identify and evaluate trends, identify root cause, and provide quick/thorough resolution.
- Understanding compliance management systems including experience in complaints management and customer-level remediation.
- Excellent written, verbal and interpersonal/team-management skills
- Strong analytical capabilities and ability to interact and effectively present to all levels in an organization including C-suite stakeholders and regulators (as required).
- Bachelor's degree in a related field, or advanced degree
- SQL experience needed to obtain data and drive analytics to identify emerging risks
Reports to: Manager, Operational Risk
Job Level: Associate
Total Rewards and Benefits:
At OppFi, we are committed to fostering a fair and equitable workplace. The compensation range for this role reflects our good faith compensation estimate for this position. Final offers are determined based on a myriad of factors including, but not limited to experience, skills, qualifications, and other relevant business considerations. Candidates are encouraged to discuss compensation expectations during the hiring process. In addition to base pay, the total compensation package includes eligibility and potential for performance-based bonuses and equity grants dependent upon the role and job level.
OppFi offers a flexible, remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical, dental, and vision coverage, and tuition reimbursement. Additional benefits include DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. OppFi also offers Fringe, a lifestyle benefits platform that allows employees to decide how to spend rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote
EEO Statement:
OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, federal law, or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.
As part of OppFi’s commitment to providing equal opportunity to qualified individuals, OppFi will ensure that persons with disabilities are provided reasonable accommodation as defined by applicable laws and organizational policies. If reasonable accommodation is needed to participate in the job application or interview processes or job requirements, please contact our People Team at [email protected].
Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/.
The information in this document is for general informational purposes only. It is not intended to be an all-inclusive list or description of the organization and its requirements for positions and employees. OppFi reserves the right to modify or change the information on this document at its discretion.
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