Data Scientist I Job in Bright Money

Data Scientist I

Job Type: Full-Time

Category: Data Science

Location: Bangalore

About Bright Money

Bright is a mission-driven consumer fintech company helping Americans get out of debt and build stronger financial futures powered by data science and machine learning. Our mobile platform provides personalized tools for credit building, debt paydown, budgeting, and loan refinancing.

With 300,000+ users, 100,000+ reviews, and support from top-tier investors like Sequoia, Falcon Edge, and Hummingbird, Bright is one of the fastest-growing fintech startups in the U.S. We ve raised $90M+ in equity and debt funding to date. We're proud to be building a global-first, data-driven consumer tech company from India, for the world.

About the Role

As a Data Scientist I, you will be part of a high-impact team using data and machine learning to power Bright s core financial products. You ll work on problems that directly improve users financial outcomes modeling behavior, predicting intent, and enabling smarter, automated experiences.

This is a hands-on role for someone with strong fundamentals in ML, statistics, and programming, and a desire to turn data into real-world product impact.

Key Responsibilities

• Design and build predictive models using core concepts of machine learning, statistics, and probability.
• Analyze large-scale user and transactional data to extract insights and inform strategy.
• Collaborate cross-functionally with product managers, engineers, and business stakeholders to define and solve problems.
• Deploy ML models into production environments, ensuring scalability, stability, and performance.
• Tune, evaluate, and interpret model results to maximize business value and user outcomes.
• Document methodologies and workflows for reproducibility and team collaboration.
• Stay current with AI/ML advancements and experiment with new techniques as appropriate.

Required Qualifications

• Bachelor s or Master s degree in Computer Science, Statistics, Mathematics, or a related quantitative field.
• Strong grasp of ML and statistical concepts (e.g., regression, classification, hypothesis testing, probability distributions).
• Proficiency in Python or R, and experience with ML libraries such as scikit-learn, TensorFlow, or PyTorch.
• Familiarity with model deployment tools and frameworks (e.g., Docker, Flask/FastAPI, MLflow).
• Understanding of how to implement and monitor models in a real-world production environment.
• Awareness of modern AI techniques including transformers, LLMs, and generative AI.
• Strong problem-solving skills, curiosity, and ability to communicate complex ideas clearly.
• Exposure to cloud platforms like AWS, GCP, or Azure is a plus.

Bonus Points For

• Experience with deep learning and advanced neural network architectures.
• Understanding of MLOps best practices (CI/CD for ML, monitoring, retraining pipelines).
• Personal projects, open-source contributions, or research publications in AI/ML.

What You ll Work On

• Model user behavior and financial patterns to power intelligent product features.
• Analyze complex transaction datasets to surface actionable insights.
• Build and deploy ML systems that personalize savings and debt management strategies.
• Apply deep learning, reinforcement learning, and LLMs to real-world fintech use cases.
• Collaborate with engineering and product teams to launch data-powered experiences in the Bright app.
• Experiment with cutting-edge AI technologies to innovate in consumer finance.

At Bright, you ll go beyond theory you ll use data to change lives.

This is your chance to build meaningful, scalable machine learning systems that empower users to take control of their financial future.