We are 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 Avi Patchava) and InMobi Data Scientist (Avi Patchava, Varun Modi, Avinash Ramakath, Jayashree Merwade).

What is the role about?

• Knowledge on Underwriting & Loan Approval Process

• Exercise thorough creditworthiness assessment and sound decision-making.

• Customer profile check in credit on the various parameters mentioned in the policy of the company.

• Familiarity with collection systems for collection of dues from delinquent borrowers.

• Reporting on credit-related metrics

• Ability to resolve conflicts with a customer-centric approach

• Identify, facilitate and implement process improvement ideas to improve efficiency

• Excellent communication, negotiation, and interpersonal abilities.

• Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated.

What are we looking for :

The role requires good and assertive oral and written communication skills, high level of analytical and Investigation skills along with credit and banking domain knowledge.

• Minimum 1-2 years experience in assessment or underwriting experience.

• Understanding of the end-to-end process flow for credit products.

• Familiarity with the US credit environment and regulations is beneficial.

• Metrics management