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?

Bright Money is looking for a Lead – Finance to anchor the finance function across our India and US entities. The role owns the monthly close, financial reporting, statutory and tax compliance, audit, FP&A, and treasury operations — and leads a team of accounts executives and assistant managers. You will partner closely with the leadership team to translate financial data into decisions that move the business forward.

What you will do?

• Financial Close & Reporting: Own the monthly, quarterly, and annual close for India and US entities. Ensure accurate, timely financial statements in line with Ind AS and US GAAP.

• Statutory & Tax Compliance: Lead all India and US filings — GST, TDS, PT, PF, ESI, Income Tax, sales tax, and annual returns. Track regulatory changes and ensure the company stays ahead of them.

• Audit Management: Own statutory, tax, internal, and investor due diligence audits end-to-end — plan, coordinate, prepare schedules, resolve queries, and close findings.

• FP&A: Build and maintain budgets, forecasts, and rolling plans. Drive monthly variance analysis, unit economics, and management MIS. Partner with business leaders on cost and revenue decisions.

• Treasury & Cash Management: Manage cash flow planning, banking relationships, inter-company funding, and working capital. Optimise idle balances and oversee fund movements between entities.

• Controls & Process: Design and enforce internal controls across AP, AR, payroll, expense management, and inter-company transactions. Drive process improvements and automation across the close cycle.

• Revenue & Collections: Oversee revenue recognition, reconciliations of credit operations, and collections reporting. Identify leakage and drive corrective action.

• Business Partnership: Provide financial reports and interpret financial information to leadership while recommending further courses of action. Analyse costs, pricing, variable contributions, sales results, and actual performance vs business plans.

• Team Leadership: Build and lead the finance team — set goals, review work, coach team members, and create a framework for execution. Hire, onboard, and develop accounts executives and assistant managers.

Ideal candidate profile looks like?

Experience & Background:

• Strong accounting fundamentals

• Strong working knowledge of Ind AS and US GAAP

• Demonstrated experience managing close and reporting across multiple entities and geographies

• In-depth knowledge of Indian statutory compliance — GST, TDS, Income Tax, Companies Act, FEMA

• Hands-on experience with Tally, QuickBooks, and modern ERP / close tools

• Advanced Excel and comfort with financial modelling

• Track record of owning audits end-to-end

• Experience with FP&A: budgeting, forecasting, variance analysis, unit economics, and management reporting

• Treasury experience — cash flow planning, banking relationships, fund movements between entities, and working capital management

• Strong analytical skills, sound independent judgement, and the ability to translate numbers into clear narratives for leadership

• Excellent written and verbal communication

• Proven ability to build, coach, and retain a high-performing finance team

• Ownership mindset — comfortable operating in ambiguity, prioritising ruthlessly, and shipping clean outcomes

Mindset & Operating DNA:

• B.Com / MBA in Finance or CA preferred

• CPA is an advantage

• Experience in a fintech, NBFC, lending, or high-growth product company

• Exposure to US tax and sales tax compliance

• Investor / due diligence audit experience

• Experience managing multiple entities and geographies

• Eager to learn and drive the adoption of AI tools across finance and accounting workflows

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.

• Location flexibility: 4 days from the Bangalore office in a week