Associate Credit Operations Job in Bright Money

Associate Credit Operations

Job Type: Full-Time

Category: Operations

Location: Bangalore

About Bright

Bright is a consumer fintech company dedicated to helping Americans get out of debt using advanced data science and machine learning. Our mobile app integrates all the tools needed for managing and eliminating debt covering credit score building, automated debt paydown plans, financial and budget planning, and loan refinancing across credit cards, student loans, and car loans.

With 300,000+ users, 6x growth in the last year, and over 100,000 ratings and reviews, Bright is one of the fastest-growing fintech platforms in the U.S. Supported by top venture capital firms like Sequoia, Falcon Edge, and Hummingbird, Bright has raised over $40 million in funding, including a recent $50M debt financing from Encina Lender Finance.

Bright is ranked among the top 8 U.S. fintech companies and is poised to become a top-100 financial institution by leveraging data science and predictive modeling. We are proud to be building the first large-scale consumer tech company from India for global markets.

About Our Founders

Bright was founded in 2019 by industry veterans from McKinsey s Banking Practice and data scientists from InMobi: Petko Plachkov, Avi Patchava, Varun Modi, Avinash Ramakath, and Jayashree Merwade.

Role Overview

As an Associate Credit Operations professional, you will play a crucial role in assessing creditworthiness, supporting loan underwriting and approval, and ensuring smooth credit operations. You will work closely with cross-functional teams to monitor credit metrics, facilitate collections, and drive improvements in operational efficiency.

Key Responsibilities

• Conduct thorough creditworthiness assessments following company policies and guidelines.
• Review customer profiles and credit applications against underwriting standards.
• Manage loan approval processes and support decision-making with sound judgment.
• Utilize collection systems to assist in managing delinquent accounts and dues recovery.
• Monitor and report on credit-related performance metrics regularly.
• Handle customer conflicts and disputes with a strong customer-centric approach.
• Investigate customer requests by gathering relevant data and exploring all information sources.
• Identify opportunities for process improvements to increase efficiency and effectiveness.
• Collaborate with teams to ensure compliance with credit policies and regulatory requirements.

What We re Looking For

• 1-2 years of experience in credit assessment, underwriting, or a related role.
• Strong understanding of credit product workflows and end-to-end process flows.
• Familiarity with credit risk assessment principles and banking domain knowledge.
• Knowledge of the U.S. credit environment and regulatory framework is a plus.
• Excellent verbal and written communication skills.
• High analytical and investigative capabilities.
• Ability to manage credit-related metrics and performance indicators.
• Strong negotiation, interpersonal skills, and ability to handle conflicts diplomatically.

Why Bright?

• Join a fast-growing fintech startup backed by leading investors.
• Gain exposure to credit operations and risk management in a global context.
• Work alongside experienced professionals passionate about transforming consumer finance.
• Opportunity to grow within a dynamic, collaborative environment.

Ready to help redefine credit operations at scale? Apply now and be part of Bright s journey!