About Bright Money
Bright Money is a Consumer FinTech for middle-income consumers. It brings together SaaS products to help consumers build credit, manage their debt, and get access to suitable loans and credit cards. These are the major financial needs of middle-income consumers living paycheck to paycheck.
Bright is a profitable, India-built, U.S.-market Consumer FinTech, with revenue trajectory to +$100M in the coming 4 months. The business model combines subscription revenue with financial service marketplace revenues, for loans, credit cards, and credit-building tools.
Bright has launched an AI money assistant and AI agentic UX flows for access to credit. It will be the first AI-driven Consumer FinTech for middle-income consumers.
The Bright product suite has potential for global markets beyond the US. The market size is 100M global middle-income consumers, with a revenue pool opportunity of $15B.
Bright is backed by 3 top global venture capital firms and leading tech angel investors in the USA, Europe, and Asia.
Bright was founded in 2019 by a founding team from McKinsey’s Banking Practice (Petko Plachkov and Avi Patchava) and InMobi Data Scientists (Varun Modi and Avi Patchava). The core team is ex-InMobi Engineering and Data Sciences, recently joined by senior leaders from McKinsey. Bright is a data-driven, fast-paced execution culture that will build a Global Consumer FinTech, all functions operating from India.
What is the team & role about?
We are looking for a hands-on Finance Manager with strong, proven experience in accounting and auditing both are non-negotiable requirements for this role.
The role will own accounting closures, financial reporting, statutory compliance, audits, MIS, and cash-flow monitoring. The Finance Manager will also support the CFO/VP Finance on budgeting, business planning, fundraising, investor reporting, and finance-transformation initiatives.
What will you do?Accounting, Auditing & Compliance
Own day-to-day accounting and monthly, quarterly quarterly, and annual financial closures.
Prepare financial statements, reconciliations, MIS reports, and variance analyses.
Lead statutory, internal, and tax audits, including audit preparation and timely closure of observations.
Ensure compliance with Ind AS, taxation, FEMA, and other applicable statutory requirements.
Maintain strong financial controls, SOPs, and audit-ready documentation.
FP&A & Business Partnering
Support budgeting, forecasting, cash-flow planning, and working-capital management.
Partner with business teams to monitor budgets, understand performance, and improve cost efficiency.
Support the evaluation of new initiatives, unit economics, and return on investment.
Strategic Finance & Automation
Support the CFO/VP Finance with board reporting, investor updates, fundraising, and due diligence.
Contribute to ERP implementation, reporting automation, and finance-process improvements.
Partner with Product, Data, and Technology teams to improve financial-data accuracy and integration.
5-8 years of relevant experience, with strong hands-on ownership of accounting and audits.
Chartered Accountant qualification is strongly preferred.
Strong knowledge of Ind AS, taxation, and Indian statutory requirements; exposure to US GAAP is an advantage.
Proven experience managing financial closures, financial statements, statutory audits, and internal controls.
Experience in a fintech, consumer-tech, SaaS, or internet-based company is preferred.
Strong proficiency in Excel and familiarity with accounting or ERP platforms such as Tally and QuickBooks.
Strong analytical, communication, and stakeholder-management skills with a hands-on approach.
Stronger and more consistent visibility for Bright across relevant media and social platforms.
Meaningful relationships with key journalists and industry influencers.
Increased visibility and credibility for Bright’s founders and CXOs.
Clear and differentiated positioning for Bright within fintech and consumer technology.
Skills Required
- Chartered Accountant (CA) qualification
- 5–8 years of post-qualification experience in accounting or finance leadership
- Experience in fintech, NBFC, digital lending, or financial services
- Understanding of Ind AS, US GAAP, and IFRS
- Experience with financial statement consolidation, audit management, compliance, and regulatory reporting
- Advanced proficiency in financial modeling and MS Excel
- Experience with accounting or ERP tools such as Tally ERP, QuickBooks, and payroll tools such as graytHR or Gusto
- Strong analytical, communication, and leadership skills
- Exposure to automation tools, Power BI or Tableau, and API-based financial integrations
What We Do
Bright Money is a consumer fintech company that helps Americans manage and eliminate debt using data science, machine learning, and AI. It offers a mobile app with tools for credit score building, automated debt paydown plans, and financial planning.
