Senior Operations Associate

Bright Money Group; Bengaluru; Híbrido; INR 700.000 - 1.100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Equity opportunity

Ownership of BU with independent P&L

Location flexibility: 4 days a week in

Bengaluru office

Descripción de la vacante

Bright Money is a Bengaluru-based consumer fintech seeking a Payments Operations specialist to ensure US payment transactions are processed accurately, securely, and on time. You will monitor transactions, complete approvals within cut-off times, resolve payment issues, and coordinate with banks and internal teams, including night shifts to support US operations.

The role requires knowledge of NACHA and ACH, strong Excel/Sheets skills, and the ability to identify fraud risks while ensuring

Formación

• Knowledge of U.S. payment systems such as NACHA and ACH.
• Strong analytical skills to monitor and resolve payment issues.
• Ability to work night shifts to support U.S. operations.

Responsabilidades

• Ensure compliance with U.S. payment processes (NACHA, ACH).
• Complete approvals within designated cut-off times.
• Conduct fraud checks and implement preventive measures.
• Monitor payment processing and escalate issues promptly.
• Coordinate with internal stakeholders (Product, Engineering) to resolve issues.
• Coordinate with banks and provide POA documents when requested.
• 2-3 years of experience in banking operations or payment systems.
• Experience in Transaction Monitoring through Metrics and raising issues.
• Proficiency in Excel, Google Sheets, and Google Slides.
• Availability for night shift work is required.

Conocimientos

NACHA/ACH knowledge

Payment systems knowledge

Analytical skills

Night shift readiness

Herramientas

Excel

Google Sheets

Google Slides

Descripción del empleo

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