About Bright

Bright is a consumer fintech that helps Americans get out of debt, with the power of data science and machine learning. It is a mobile app that combines all the tools and tech needed to manage and get rid of debt.

Bright’s tools include credit score building, automated debt paydown plans, financial planning, budget planning tools, and refinance loans. It works with credit cards, student loans and car loans.

Bright has had 6x growth in the last year, with 300,000 users, and more than 100,000 ratings and reviews.

Bright is backed by three major venture capital funds (Sequoia, Falcon Edge and Hummingbird) and with top angel investors from the US, UK and India, Bright has raised +$40 million in funding to date.

Bright has recently raised $50M in debt funding from Encina Lender Finance, for its credit business growth. Encina Lender Finance provides lending solutions to consumer and commercial speciality finance companies across the U.S. and Canada.

Today we are among the top 8 US FinTech companies. We will become a top-100 US financial institution, with the unique strength of data science and predictive modeling to enhance financial products for a user’s life outcomes.

We will be the first at-scale Consumer Tech company, built in India for Global markets.

About Our Founders:

Bright was founded in 2019 by a founding team from McKinsey’s Banking Practice (Petko Plachkov and AviPatchava) and InMobi Data Scientist (Avi Patchava, Varun Modi, Avinash Ramakath, Jayashree Merwade)

What is the role about?

• Ensure compliance with U.S. payment processes, including strong understanding of NACHA, ACH, and other relevant financial protocols.

• Ensure all approvals are completed within designated cut-off times to prevent any breaches or delays.

• Conduct fraud checks and implement preventive measures to minimize financial risk.

• Monitor payment processing to identify any mismatches, delays, or missing transactions, and escalate issues to the appropriate teams in a timely manner.

• Coordinate with internal stakeholders (Product, Engineering,etc) to resolve technical or systemic issues.

• Coordinate with banks and provide POA documents when requested.

What are we looking for :

The role requires strong and assertive oral and written communication skills, with the ability to escalate issues clearly and drive resolution across cross-functional teams.

• 2–3 years of experience in banking operations or payment systems.

• Strong working knowledge of US payment standards – NACHA, ACH, and related approval mechanisms.

• Experience in Transaction Monitoring through Metrics and raising issues

• Basic understanding of KYC

• Proficiency in Excel, Google Sheets, and Google Slides.

• Availability for night shift work is a prerequisite for this position.