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?
Lead and scale engineering teams, drive technical excellence, and deliver scalable distributed systems in partnership with cross-functional stakeholders.
What will you do?
Hire, mentor, and retain top engineering talent.
Coach engineering leads and managers.
Drive scalable architecture and platform strategy.
Lead delivery of distributed, data-heavy systems.
Partner with Product, ML, Infrastructure and Business.
Own planning, execution, budgets, and resource allocation.
Ideal candidate profile looks like?
Experience & Background10+ years engineering experience with 3+ years in engineering leadership.
Experience building distributed/data-heavy systems.
Strong architecture, platformization, and developer tooling expertise.
Experience with budgeting, TCO, and resource planning.
Experience productionizing ML/DS models preferred.
Ownership and accountability.
Excellent communication and stakeholder management.
Strong analytical and strategic thinking.
Only IC experience.
Limited technical depth.
Uncomfortable in high-growth environments.
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.
Benefits: Excellent benefits package in line with sector best practice.
Skills Required
- 10+ years engineering experience with 3+ years in engineering leadership
- Experience building distributed and data-heavy systems
- Strong architecture, platformization, and developer tooling expertise
- Experience with budgeting, total cost of ownership (TCO), and resource planning
- Experience productionizing ML/DS models
- Excellent communication and stakeholder management
- Ownership and accountability mindset with strong analytical and strategic thinking
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.
