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

We are seeking an experienced

Finance Manager

to lead our financial operations and strategy in a

fast-paced fintech environment . The ideal candidate will have a strong foundation in

accounting, financial planning & analysis (FP&A), compliance, and business partnering , with a hands-on approach to managing the finance function of a growing organization.

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 .

Accounting & Compliance

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.