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 12 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?

The Frontend Engineering team builds and scales Bright’s core user experiences across mobile and web platforms, ensuring a fast, stable, and intelligent product experience.
This team owns the React Native mobile app, which serves as the backbone for Bright’s AI-driven credit, debt, and savings products.
The Frontend SDE-3 role focuses on leading mobile architecture, performance, and feature delivery across React Native, React, Swift, and Kotlin, while collaborating closely with BFF, Product, and Design teams. The role combines deep technical expertise with leadership in engineering best practices and delivery ownership.

What you will do?

Design, build, and maintain Bright’s mobile applications using React Native and native modules (Swift/Kotlin).
Integrate and evolve the AI-driven design system that connects Figma → Code pipelines, automating UI generation and component mapping.
Lead Bright’s transition to New Architecture (Fabric, TurboModules, JSI) and modular design systems.
Collaborate closely with Product Design and AI Platform teams to define dynamic UI flows that adapt based on AI output.
Drive CI/CD pipelines (Fastlane, GitHub Actions), manage OTA updates (Stallion), and optimize build pipelines.
Use Mixpanel, New Relic, and Sentry to monitor performance, engagement, and release quality.
Build shared SDKs and libraries for rapid UI prototyping and cross-team reuse.
Optimize performance (startup, memory, render times) across Android/iOS.
Partner with QA to ensure automated test coverage (Appium, RTL, XCTest, Detox).
Mentor engineers, conduct reviews, and ensure clean architecture aligned with Bright’s AI-assisted design principles.

Ideal candidate profile looks like?

Expertise in React Native, React, TypeScript, and native mobile (Swift/Kotlin/Java).
Experience integrating Figma or design tokens into engineering workflows.
Understanding of AI-driven UI generation or dynamic UI systems.
Deep knowledge of mobile app lifecycle, CI/CD, and modular architecture.
Proven track record in building SDKs, frameworks, or UI libraries.
Strong grounding in data structures, algorithms, and performance optimization.
Proficiency with Mixpanel, New Relic, Firebase, and Sentry.
Familiarity with BFF/GraphQL, third-party integrations, and design-system governance.
Working knowledge of React Native Web for cross-platform design-system parity.
Hands-on with automated testing and version control (Git/GitHub).

Experience & Background:

5–8.5 years of experience in mobile and frontend application development.
Bachelor’s or Master’s degree in Computer Science, Engineering, or related field.
Prior experience upgrading and optimizing React Native (0.7x → 0.8x).
Exposure to AI-based design systems, code generation, or UI automation tools.
Experience with Flutter or other cross-platform frameworks is a plus.

Mindset & Operating DNA:

Ownership and accountability from concept to production.
Passion for design-system automation and AI-enabled engineering workflows.
Analytical, data-driven decision-making using Mixpanel + New Relic insights.
Collaborative mindset, cross-functional communication, and bias for action.
Comfortable working in a fast-paced, AI-driven FinTech environment.

Non-Fit Profiles

Engineers focused solely on web/backend without hands-on React Native or design-system experience.
Candidates lacking exposure to AI-driven or component-based UI pipelines

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.

Careers

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