Senior Associate - Operations

Bright Money; Karnataka; Hybrid; INR 600,000 - 900,000; Full time

Benefits offered by this job

Location flexibility

Job summary

Bright Money in Bengaluru is seeking a Payments Operations professional to ensure US payment transactions (ACH/NACHA) are processed accurately and on time. You will monitor transactions, conduct approvals within cut-off times, and work with banks to resolve issues.

The role requires knowledge of NACHA/ACH, strong communication, and experience in transaction monitoring, with night shifts to support US operations. Hybrid work arrangement in Bengaluru is available.

Qualifications

• 2–3 years of experience in banking operations or payment systems.
• Strong working knowledge of US payment standards – NACHA, ACH, and related approval mechanisms.
• Experience in Transaction Monitoring through Metrics and raising issues.
• Proficiency in Excel, Google Sheets, and Google Slides.
• Availability for night shift work is a prerequisite for this position.

Responsibilities

• Ensure compliance with U.S. payment processes, including NACHA and ACH.
• Ensure all approvals are completed within designated cut-off times.
• Conduct fraud checks and implement preventive measures to minimize financial risk.
• Monitor payment processing to identify mismatches, delays, or missing transactions; escalate issues promptly.
• Coordinate with internal stakeholders (Product, Engineering, etc.) to resolve technical or systemic issues.
• Coordinate with banks and provide POA documents when requested.

Skills

US payment standards (NACHA/ACH)

Banking operations experience

Transaction monitoring

Excel & Google Sheets & Slides

Night shift availability

Job description

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 6 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?

The Payments Operations team at Bright Money ensures that U.S. payment transactions are processed accurately, securely, and on time by monitoring transactions, completing approvals within cut‑off times, resolving payment issues, and coordinating with banks and internal teams. This role requires knowledge of U.S. payment systems such as ACH and NACHA, strong communication and analytical skills, and willingness to work night shifts to support U.S. operations.

What you will do?

• Ensure compliance with U.S. payment processes, including strong understanding of NACHA, ACH, and other relevant financial protocols.
• Ensure all approvals are completed within designated cut‑off times to prevent any breaches or delays.
• Conduct fraud checks and implement preventive measures to minimize financial risk.
• Monitor payment processing to identify any mismatches, delays, or missing transactions, and escalation issues to the appropriate teams in a timely manner.
• Coordinate with internal stakeholders (Product, Engineering,etc) to resolve technical or systemic issues.
• Coordinate with banks and provide POA documents when requested.

Ideal candidate profile looks like?

The role requires strong and assertive oral and written communication skills, with the ability to escalation issues clearly and drive resolution across cross‑functional teams.

• 2–3 years of experience in banking operations or payment systems.
• Strong working knowledge of US payment standards – NACHA, ACH, and related approval mechanisms.
• Experience in Transaction Monitoring through Metrics and raising issues
• Proficiency in Excel, Google Sheets, and Google Slides.
• Availability for night shift work is a prerequisite for this position.

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 culturethat combines consulting rigor with FinTech speed.
• Location flexibility:4 days from the Bangalore office in a week