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 6 months. The business model combines subscription revenue with a 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’re looking for a Product Manager to work closely with the product leadership team to build and scale our new credit card product for consumers in the US.
This is a high-ownership role where you’ll work across the entire product lifecycle — from defining the customer problem and product strategy to launching, iterating, and scaling the product. You’ll partner closely with Engineering, Design, Risk, Credit, Growth, Operations, and external partners to build a compelling credit card experience.
What will you do?
Own key parts of the credit card product end-to-end, from strategy and roadmap to execution and growth.
Deeply understand customer needs, credit behavior, and competitive products to identify high-impact opportunities.
Work with engineering and design to ship 0→1 product experiences and continuously improve existing ones.
Partner with Risk, Credit, Operations, and external card/issuer partners to solve complex fintech problems.
Define product metrics, analyze funnels and cohorts, and use data to make product decisions.
Run experiments to improve acquisition, activation, engagement, spend, retention, and overall unit economics.
Translate ambiguous business and customer problems into clear product requirements and actionable roadmaps.
Work closely with senior leadership to prioritize opportunities and drive execution in a fast-moving environment.
Ideal candidate profile looks like
3+ years of product management experience, ideally in fintech, consumer technology, lending, payments, or credit.
Hands-on experience with building a credit card product (Either in India or the US)
High ownership experience of e2e product or high impact areas of Activation, Retention and Monetization of the Card
Strong analytical and problem-solving skills — you’re comfortable going deep into data and figuring out why something is happening.
Experience taking products from idea → launch → iteration, with a strong bias toward execution.
Ability to operate effectively in ambiguous environments with limited hand-holding.
Strong communication and stakeholder management skills.
Customer obsession combined with strong commercial judgment.
List the key skills, qualifications, and experiences required or preferred for success in the role. Highlight both technical competencies and soft skills such as collaboration, ownership, or problem-solving.
Experience & Background:
3+ years of product management experience, ideally in fintech, consumer technology, lending, payments, or credit.
Hands-on experience with building a credit card product (Either in India or the US)
High ownership experience of e2e product or high impact areas of Activation, Retention and Monetization of the Card
Mindset & Operating DNA:
Hands-on experience with building a credit card product (Either in India or the US)
High ownership experience of e2e product or high impact areas of Activation, Retention and Monetization of the Card
Strong analytical and problem-solving skills — you’re comfortable going deep into data and figuring out why something is happening.
Experience taking products from idea → launch → iteration, with a strong bias toward execution
Non-Fit Profiles
No Experience with a credit card product
Project Management experience without product ownership
What Bright Offers?
A profitable sub-unicorn with U.S. market scale – liquidity potential at $1–3B valuations.
Real ownership: You run your own BU with an independent P&L.
Wealth creation: Equity at an inflection stage of scale.
A data-driven, high-cadence culture that combines consulting rigor with FinTech speed.
Skills Required
- 3+ years of product management experience
- Hands-on experience building a credit card product in India or the US
- End-to-end product ownership or high-impact experience in card activation, retention, and monetization
- Product management experience in fintech, consumer technology, lending, payments, or credit
- Strong analytical and problem-solving skills, including data analysis
- Experience taking products from idea through launch and iteration
- Ability to work effectively in ambiguous environments with limited guidance
- Strong communication and stakeholder management skills
- Customer focus and strong commercial judgment
- Ownership of a product or business unit with independent P&L responsibility
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.
