OppFi

• Monitor, analyze transactional activity, and conduct investigations for unusual activity including, fraud, money laundering, and other identified risks (internal reports, escalations, and external referrals). • Conduct research using internal and external sources to help determine if escalation is warranted. • Review ACH activity, web or telephone-initiated transactions for fraudulent activity. • Prepare and complete required reporting and dispositions accurately and timely. • Investigate and analyze the causes, methods, and processes of Anti-Money Laundering (“AML”)/Bank Secrecy Act (“BSA”) and fraud activities and generate fraud prevention and analysis reports. • Investigate any potential OFAC hits and escalate issues as warranted. • Review, process and screen for Section 314(a) watchlist requirements received from FinCEN. • Understands and stays current on Red Flags and industry trends related to AML/BSA and fraud. • Other duties as assigned.

• Leadership of the cross-functional team, directly managing software engineers while leading a delivery team that also includes SDETs a Product Owner, and a Security partner • Partnership with Product Management on roadmap and priorities, balancing business outcomes with technical health and maintainability • Delivery of the roadmap from solutioning through to validation, including new product lines and migration from legacy to new platforms • Adoption of Agile processes and SDLC optimizations, driving continuous improvement in coordination with other teams and stakeholders • AI Acceleration, expanding utilization of existing tools and piloting new tools to measurably improve engineer productivity and team throughput • Mentorship and growth of your engineers in an inclusive, psychologically safe team culture where everyone is growing and thriving in their careers • Coordination between other development teams and shared services teams including Platform and Security.

• Lead the annual SOX risk assessment and scoping exercise. • Define the testing strategy for the fiscal year. • Oversee the documentation and testing of key financial cycles. • Drive compliance strategy for IT General Controls. • Evaluate the impact of Service Organizations on the company’s control environment. • Partner with Process Owners to design remediations for identified deficiencies. • Present quarterly status updates to the Audit Committee and Senior Management. • Manage the relationship with external audit firms.

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 4.4/5.0-star rating on Trustpilot. We are a 2025 Crain’s Fast 50™ company and were named on Built In's 2026 Best Places to Work in Chicago. What you get to do: As part of a dynamic and growing Customer Solutions team, reporting to the Senior Manager, Customer Solutions, you will maintain department reporting, procedures, and business collateral for access by Advocates, compliance, auditors, customers, and partners. You will think strategically about business, product, and technical challenges, with the ability to work cross-functionally. Operational Governance & Compliance - Review, revise, and draft standard operating procedures (SOPs) to ensure all Customer Solutions processes are documented, accurate, and easily accessible. - Partner closely with Legal and Compliance teams to ensure all procedures adhere to the latest industry regulations and internal standards. - Collaborate with Subject Matter Experts (SMEs) and Ops Risk teams to resolve risk events through thoughtful process enhancements and remediation strategies. Strategy & Continuous Improvement - Work alongside Customer Solutions Analysts to identify operational pain points; propose and implement creative solutions to reduce friction for both our team and our customers. - Think critically about business and technical challenges, working cross-functionally to support product and system updates. - Lead departmental projects aligned with overall operational goals to ensure best-in-class servicing standards. Analytics & Performance Support - Partner with BI and Operations Analytics to refine reporting structures and provide data-backed recommendations that drive key performance metrics. - Provide "backup" expertise for specialized Customer Solutions tasks on an ad-hoc basis, including Hardships, SCRA, Refunds, Bankruptcy, and Check Processing. What you will bring to the team: - High school diploma required, bachelor's degree preferred. - 2 years of professional experience working in a support or operations environment - A minimum of six months in financial services, with a foundational understanding of consumer lending products (e.g., installment loans, credit cards). - Strong command of Microsoft Office (particularly Excel and Access) and Google Suite (Sheets, Slides) to manage complex data and documentation. - Experience leading small projects or contributing to larger projects as part of a team. - Proven ability to execute against clearly defined projects while applying independent judgment to solve unexpected challenges. - Experience providing tactical support across multiple department initiatives simultaneously without losing sight of deadlines. - A "quick study" mindset with the ability to rapidly master complex financial topics and regulatory requirements. Reports to: Senior Manager, Customer Solutions 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 Compensation Range: $71,200—$106,800 USD 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 recruiting@oppfi.com. 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.

• Define and evolve the collections and recoveries strategy roadmap across delinquency and charged-off portfolios • Identify and prioritize high-impact performance levers (segmentation, channel strategy, vendor allocation, policy design) • Translate analytics and portfolio insights into actionable strategies with measurable outcomes • Own and optimize net recovery performance, balancing return, cost, and customer experience • Evaluate performance through segmentation, lifecycle analysis, and economic tradeoffs • Identify and drive opportunities to improve basis point performance and portfolio yield • Design and manage external agency strategy, including allocation, performance tiers, and commercial tradeoffs • Optimize channel mix (internal, external, digital) to maximize returns • Partner with vendors to drive performance while maintaining compliance and customer standards • Lead complex initiatives across Operations, Risk, Legal, Product, Technology, and Analytics • Own execution of high-priority initiatives (e.g., AI collections strategy, segmentation redesign, systems enhancements) • Drive alignment, remove blockers, and ensure delivery of quantifiable business outcomes • Ensure all strategies align with regulatory requirements (FCRA, UDAAP, etc.) • Balance performance optimization with customer and regulatory risk considerations • Partner with Compliance and Legal to implement responsible, scalable solutions

• Develop software using the latest Java, SpringBoot, Docker, Amazon Web Services, PostgreSQL, EventStoreDB, Github, ArgoCD and more as the org continues to expand and improve. • Enhance core libraries to implement cross-cutting concerns such as security, observability, data encryption, horizontal scaling, resiliency and other non-functional requirements • Debug non-trivial issues requiring partnering with Application Developers, vendors and platform teams • Collaborate with business and technology professionals across the company in an Agile fashion to ensure technical systems meet requirements. • Perform code reviews, unit and integration testing; write high quality documentation, and implement other industry recognized best practices. • Continue to learn new tools and patterns. We take development seriously! Our team develops and manages its own internal training courses, budgets for externally held classes and conferences, and covers books and other training related materials….we want you to grow your skills with us! • Mentor junior engineers and new hires.

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: As a Senior Software Engineer on the Core Team, you will contribute to the development of OppFi’s software ecosystem that makes up our product portfolio. Specifically, this role’s function is to develop, maintain, and improve core libraries and documentation used by all of the Application Development teams. Knowing this, you will… - Develop software using the latest Java, SpringBoot, Docker, Amazon Web Services, PostgreSQL, EventStoreDB, Github, ArgoCD and more as the org continues to expand and improve. - Enhance core libraries to implement cross-cutting concerns such as security, observability, data encryption, horizontal scaling, resiliency and other non-functional requirements - Debug non-trivial issues requiring partnering with Application Developers, vendors and platform teams - Collaborate with business and technology professionals across the company in an Agile fashion to ensure technical systems meet requirements. - Perform code reviews, unit and integration testing; write high quality documentation, and implement other industry recognized best practices. - Continue to learn new tools and patterns. We take development seriously! Our team develops and manages its own internal training courses, budgets for externally held classes and conferences, and covers books and other training related materials….we want you to grow your skills with us! - Mentor junior engineers and new hires. Requirements: - A relevant undergraduate and/or graduate degree (e.g. Computer Science, Software Engineering, etc) or at least 5 years of professional software development experience. - At least 5 years of experience with industry recognized automated testing standards (e.g. unit and integration testing) and methodologies (e.g. test or behavior driven development) - At least 5 years of experience developing and maintaining internal APIs, and integrating with external APIs. - At least 3 years of experience with Amazon Web Services. - At least 1 years of experience maintaining internal libraries used by multiple teams - Experience leading small to medium sized projects (e.g. Creating a new micro-service, major project refactoring, etc) - Strong Experience with Java, SpringBoot, Docker, CI, Github - Excellent written and verbal communication skills Preferences: - Familiarity with technologies existing in OppFi’s stack (, Docker, Amazon Web Services, PostgreSQL, Kubernetes, Github) - Familiarity with methodologies existing within OppFi (Agile Development, Test Driven Development, Domain Driven Design, Event Sourcing) - Experience mentoring junior developers. Reports to: Sr. Manager, Engineering Job Level: Sr. Tech I 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 Compensation Range: $123,200—$184,800 USD 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 recruiting@oppfi.com. 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.

• Responsible for oversight & tracking of identified issues and validating all tasks have been completed to fully close an issue. • Research escalated issues to pinpoint possible causes, customer population affected, and the impact they may have experienced. • Responsible for risk rating issues to assess the material significance and relevance of identified compliance risks. • Collaborate with different department leaders to identify solutions that reduce identified compliance risk, while minimizing business impact and implement customer remediation efforts. • Advise Business on appropriate solutions to identified risks, where applicable. • Review and assess business-proposed changes to products and processes for relevant compliance risks. • Independently lead other projects that will prevent, detect, and mitigate regulatory risk as assigned. • Identify risk trends and conduct trend analysis for Corrective Action reporting provided to CEO, Executive team, Bank Partners, etc. • Monitor internal company communication channels for potential issues, if needed. • Optimize the Corrective Action Program by identifying areas in the process flow that can be improved upon and lead efforts to implement resulting changes.

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: As a Senior Business Intelligence Analyst, you excel at analyzing data, identifying insights, and telling compelling stories through your analyses. You are comfortable both diving into the technical details while also turning your insights into an actionable story for business stakeholders. You are a self-starter who takes initiative to identify operational bottlenecks and automate processes. Come ready to face daily challenges, including: - Partner with OppFi’s Marketing team to find new customers and optimize engagement - Prepare key metrics and reporting for OppFi’s Senior Leadership Team through Weekly Business Reviews - Design and evaluate A/B tests to optimize customer engagement through email and SMS channels using Braze - Monitor conversion funnel performance to identify opportunities to streamline application processing - Develop reporting for multi-touch attribution to ensure marketing dollars are backed by data-driven insights into customer acquisition and retention - Develop reporting and monitoring to ensure compliance of marketing initiatives and communications - Migrate key dashboards and reports onto OppFi’s new loan origination and servicing systems - Combine and analyze both structured and unstructured data to create meaningful analyses. Extract, segment, and report on data in clear graphs, charts and other visualizations. Provide strategic recommendations based on the data to improve our business. - Partner with Marketing to automate and streamline business processes. Be unafraid to break existing rules, reimagine new processes, and build them. Focus not just on Data, but Data + Action. - You will be the data expert for OppFi’s Marketing team. This highly-visible role will also have opportunities to partner across several teams such as Sales, Finance, Operations, Credit, and Technology What you will bring to the team: - Bachelor's Degree in a quantitative field, especially mathematics, statistics, economics, finance, operations research, etc. - 2+ years of experience in business intelligence or data analytics - Advanced experience in SQL - Experience using BI Tools to create dashboards and data visualizations (Tableau, Power BI, Looker, etc.) - Experience with Excel or other spreadsheet applications - Experience working with conversion funnel optimization and A/B testing (preferred) - Programming experience with Python (preferred) - Past experience in a high-growth startup or the financial services industry is a plus Reports to: Senior Business Intelligence Manager Job Level: Senior Analyst 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 Compensation Range: $71,200—$106,800 USD 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 recruiting@oppfi.com. 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.

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: The Manager of Collections and Recoveries Strategy is a high-impact, critical role responsible for setting the strategic direction and managing the financial impact of all collections and recovery operations. This leader will drive optimization to maximize the recovery of delinquent and charged-off accounts while maintaining a strict adherence to regulatory compliance and delivering a positive customer experience. Success in this role requires a strategic, results-oriented focus on optimizing efficiency and managing high-stakes external partner relationships. What you get to do: - Drive Collections & Recoveries Strategic Roadmaps: Define and lead the Collections and Recoveries strategy roadmap, leveraging data analytics to execute complex customer segmentation and design tailored, compliant collection approaches. - Lead and Develop Talent: Directly manage a team, providing leadership, guidance, and training to foster a culture of accountability and professional growth. - Own the Recoveries P&L: Develop, implement, and govern the end-to-end strategy for all charged-off loan recoveries, including internal operations and a network of external collection agencies. Negotiate, onboard, and manage external partners to augment internal capabilities and maximize net return on the portfolio. - Govern Cross-Functional Initiatives: Act as the lead owner for high-priority, complex cross-functional initiatives (e.g., AI Collections Channel implementation, core system enhancements) to deliver quantifiable financial outcomes for OppFi. - Executive Insight: Distill complex operational and performance data into clear, actionable executive updates, highlighting key risks and opportunities impacting portfolio health. What you will bring to the team: - 3+ Years of progressive experience in Collections or Recoveries Strategy within a FinTech or Financial Services environment, with a minimum of 2 years experience in a managerial or supervisory role - Advanced ability to independently lead multiple high-priority projects concurrently, manage cross-functional stakeholder expectations (Risk, Legal, Operations, Bank Partners), and drive timely resolution. - Ability to apply rigorous process and risk tools (Process Mapping, Project Planning) to complex problem statements and develop strategic, workable solutions. - Expert knowledge and direct experience implementing strategies related to key federal regulations (FCRA, UDAAP, TILA, etc.). Reports to: Senior Director, Collections & Recoveries Strategy Job Level: Manager 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 Compensation Range: $85,600—$128,400 USD 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 recruiting@oppfi.com. 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.