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?
AI-powered user experiences across web and mobile that deliver material business impact
Conversational AI and intelligent product flows
End-to-end product strategy, execution, and experimentation
Working closely with Engineering, Design, Data Science, and ML teams to bring AI into every customer interaction
Defining metrics, running experiments, and shipping quickly
Ideal candidate profile looks like?
Has 5+ years of Product Management experience
Has built exceptional consumer products at scale
Has shipped AI features using LLMs, agents, or recommendation systems
Thinks deeply about UX and interaction design
Is highly analytical and comfortable working with SQL and product metrics
Moves fast, takes ownership, and thrives in ambiguity
Bonus points if you've worked in
Consumer fintech
Payments or lending
Personal finance
AI-native products
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.
Location flexibility: 5 days from the Bangalore office in a week
Skills Required
- 5+ years of Product Management experience
- Built consumer products at scale
- Experience shipping AI features using LLMs, agents, or recommendation systems
- Strong UX and interaction design sensibility
- Highly analytical and comfortable working with SQL and product metrics
- Takes ownership, moves fast, thrives in ambiguity
- Willing/able to work 5 days a week from the Bangalore office
- Experience in consumer fintech, payments, lending, personal finance, or AI-native products
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.
