Finance Operation Manager

About Bright Money

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 modelling 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 )

Objective

We are looking for a FinOps Manager with deep expertise in financial operations within the FinTech or Payments ecosystem. This role is critical to managing complex end-to-end reconciliations, fund flows, settlements, and money movement across banking and partner networks. You will be responsible for ensuring accuracy, compliance, and scalability in a high-growth, transaction-heavy environment.

Key Responsibilities

• Oversee end-to-end reconciliations across banks, payment gateways, merchants, and internal systems.
• Manage fund transfers and settlements (T+0 / T+1) with banks, merchants, and networks.
• Drive fund management and liquidity planning to ensure seamless operations and working capital efficiency.
• Create and maintain SOPs, policies, and process documentation for compliance and audit readiness.
• Monitor money movement across multiple accounts (ACH, escrow, settlement, operating accounts).
• Implement controls to prevent revenue leakage, failed payments, and reconciliation breaks.
• Collaborate with Product and Tech teams to automate reconciliations and fund flow systems.
• Lead the development of dashboards and reports on fund movement, delays, exceptions, and variances.
• Liaise with auditors, banks, and payment networks for smooth audits and compliance checks.

Ideal Candidate Profile

What We Offer