OppFi is a technology-enabled digital finance platform that partners with community banks to extend credit access to consumers who fall outside traditional lending criteria. The company targets an estimated 48 million Americans who are effectively excluded from mainstream banking, offering credit products delivered through its proprietary platform and bank partnership programme.
The platform sits at the intersection of software engineering, data science, and consumer finance. Technical teams work alongside credit operations and customer service functions to build and maintain the infrastructure that enables bank partners to originate and deliver products to underserved borrowers. OppFi is headquartered in Chicago and operates as a remote-flexible organisation, with regular in-person gatherings supplementing distributed work.
The company has been recognised as a Crain's Fast 50 company and named to Built In's Best Places to Work in Chicago. It reports a 4.5/5 rating on Trustpilot and an A+ rating from the Better Business Bureau. Professional development is supported through training budgets and internal development courses.
Engineering, data, and finance disciplines are closely integrated within the organisation. OppFi describes its culture as collaborative and improvement-focused, with stated emphasis on evaluating ideas on merit regardless of their origin.
