Finance Manager

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 revenue, 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.

About the Role

Finance Manager

Key Responsibilities

1. Financial Planning & Analysis (FP&A)

• Drive budgeting, forecasting, and financial modeling to support strategic decision-making.
• Prepare monthly MIS reports, analyze variances, and recommend corrective actions.
• Partner with business teams to assess ROI on new initiatives and optimize unit economics.

2

• Oversee

  end-to-end accounting operations

  , ensuring accuracy, timeliness, and adherence to

  Ind AS

  ,

  US GAAP

  , and

  IFRS

  standards.
• Own the

  month-end and year-end close processes

  , including

  reconciliations

  ,

  provisions

  , and

  accruals

  , ensuring integrity of the

  general ledger

  and

  financial statements

  .
• Drive

  the function

  by, implementing and monitoring

  internal controls over financial reporting (ICFR)

  and ensuring full

  audit-readiness

  where applicable.
• Lead and coordinate

  statutory, internal, and tax audits

  , ensuring zero non-compliance and timely resolution of audit observations.
• Ensure compliance with all

  direct and indirect tax

  obligations (GST, TDS, Income Tax, FEMA, etc.) and maintain up-to-date regulatory documentation.

3. Cash Flow & Treasury Management

• Manage working capital efficiently, monitor cash flow, and ensure optimal fund utilization.
• Liaise with banks, NBFCs, and investors for treasury operations and fund management

4. Strategic & Investor Support

• Support

  fundraising activities

  , investor due diligence, and capital structuring initiatives.
• Prepare

  board-level presentations

  ,

  investor reports

  , &

  financial performance summaries

  highlighting key business metrics and growth levers.
• Provide strategic financial insights to the leadership team, contributing to

  cost optimization

  and

  business scalability initiatives

  ..

5. Systems, Controls & Automation

• Design, implement, and continuously improve

  internal financial controls

  ,

  SOPs

  , and

  governance frameworks

  across all finance functions.
• Drive

  ERP and automation initiatives

  to streamline reporting, reconciliations, and compliance workflows.
• Collaborate with product and technology teams to ensure accurate financial data integration within the fintech platform.
• Champion the adoption of

  data analytics

  ,

  business intelligence tools

  , and

  automated dashboards

  for real-time financial monitoring.

Requirements

• Chartered Accountant (CA)

  qualification is

  mandatory

  ..

• 5–8 years of post qualification experience

  in accounting, or finance leadership roles within

  fintech, NBFC, digital lending, or financial services

  .
• Comprehensive understanding of

  Indian Accounting Standards (Ind AS)

  ,

  US GAAP

  , and

  IFRS

  .
• Proven experience in

  financial statement consolidation

  ,

  audit management

  , and

  compliance &

  regulatory reporting

  .
• Advanced proficiency in

  financial modeling

  ,

  MS Excel

  , and accounting/ERP tools such as

  Tally ERP, QuickBooks & payroll tools like graytHR, Gusto.

• Exposure to

  automation tools

  ,

  data visualization platforms

  (e.g., Power BI, Tableau), and

  API-based financial integrations

  is a strong advantage.
• Strong

  analytical, communication, and leadership skills

  with the ability to influence senior stakeholders and cross-functional teams.