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.'
Role & Responsibilities:
Key Responsibilities:
Develop, Test and Deploy scalable components for Bright's Smart Banking Platform in Django / Python
Develop Smart Algorithms and Sub Systems for Lending and Financial Communications to the User
Come up with quick and simple design solutions to complex engineering problems
Required Skill:
performance, generating actionable insights to drive operational decisions and improve the efficiency of marketing investments.
Collaborate with cross-functional teams to develop marketing and communications plans.
Conduct periodic and ad-hoc analysis across user acquisition activities, make strategic recommendations about where to allocate investments across marketing channels.
Up level team’s own data skills, democratize access to marketing data, and be an advocate for an increased adoption for in-house data tools.
Hands on SQL
Analytical Skills
Preferred Skill Set
Strong First Principles Problem Solver (https://jamesclear.com/first-principles)
Experience with integration and development of REST services over back-end frameworks (such as Django, Node.js)
Strong Algorithm and Data Structures skills.
Demonstrated ability to share knowledge via formal mentoring, reviewing code, reviewing design documents,
Providing technical talks, teaching classes, or as a consultant on projects
Some previous experience in Python based framework
Experience with developing upon Relational or NoSQL Databases at scale.
Bachelor's degree in Computer Science, or equivalent work experience.
Demonstrated Competitive Programming excellence
What You'll Get?
You will build the cross-functional skills to one day become a Start-up Founder, building your own company
You will build a deep end to end understanding of building a customer focused financial product from scratch.'
Skills Required
- Performance analysis and generating actionable insights to drive operational decisions and improve marketing efficiency.
- Collaborate with cross-functional teams to develop marketing and communications plans.
- Conduct periodic and ad-hoc analysis across user acquisition activities and recommend allocation across marketing channels.
- Democratize access to marketing data and advocate adoption of in-house data tools.
- Hands-on SQL.
- Analytical skills.
- Experience integrating and developing REST services over back-end frameworks (e.g., Django, Node.js).
- Strong algorithms and data structures skills.
- Experience with Python-based frameworks.
- Experience developing on relational or NoSQL databases at scale.
- Demonstrated ability to mentor, review code, and present technical talks.
- Bachelor's degree in Computer Science or equivalent experience.
- Demonstrated competitive programming excellence.
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.
