Chief Operating Officer

What is the team & role about?
The Chief Operating Officer at Bright Money will own and scale the company’s operational engine. This is an
operations-first leadership role with primary responsibility for Core Operations, Banking Operations, Payments, Credit
Operations, Compliance Operations, KYC, Fraud and Risk Operations, Automation, Process Excellence, App
Performance, and Customer Success.
The COO will work directly with the CEO and Executive Leadership Team to build scalable, controlled, and
technology-led operations capable of supporting Bright’s next phase of hyper-growth.
We are looking for a hands-on operational leader with deep experience in automation, compliance, risk management,
operational controls, and large-scale execution. The ideal candidate will have built their career in core Operations and
subsequently taken on broader responsibilities, including Customer Success.
What will you do?
Operational Leadership
● Own the strategy, systems, processes, performance, and teams across Bright’s operational functions.
● Build scalable operating models to support rapid growth in customers, products, transactions, and revenue.
● Establish clear SLAs, operating metrics, quality standards, controls, and governance mechanisms.
● Improve productivity, cost, turnaround time, accuracy, operational reliability, and customer outcomes.
● Banking, Payments and Credit Operations: Oversee transaction processing, settlements, reconciliations,
payment failures, disputes, chargebacks, credit servicing, repayments, and collections.
● Build strong operational controls across the customer and transaction lifecycle.
● Manage relationships with banking partners, payment processors, card networks, credit bureaus, and other
fintech partners.
Compliance and Risk Operations
● Oversee KYC, customer verification, transaction monitoring, fraud operations, complaints, and regulatory
operational controls.
● Partner with Compliance, Legal, Product, and Risk to meet regulatory and partner requirements.
● Build robust mechanisms for risk identification, incident management, root-cause analysis, remediation, and
audit readiness.
Automation and Process Excellence
● Build an AI-first operating model using AI, bringing automation, workflow tools, and data.
● Automate and improve processes across payments, credit operations, KYC, compliance, reconciliations, risk,
and customer servicing.
● Partner with Product, Engineering, and Data teams to improve scalability, controls, and operational efficiency.
Hyper-Growth and Forward Planning
● Translate company, product, and revenue goals into actionable operational plans.
● Build operational readiness for new products, customer segments, and financial partnerships.
● Identify and resolve scaling constraints before they affect customers or business performance.

Customer and Commercial Outcomes
● Oversee App Performance and Customer Success as part of the broader operational mandate.
● Improve customer satisfaction, retention, resolution time, service quality, and product reliability.
● Drive improvements in operational budgets, unit economics, cost-to-serve, and productivity.
● Prior experience owning or influencing a business-unit P&L is preferred but not mandatory.
Leadership
● Lead and develop VPs, Directors, and Senior Managers, with approximately six to eight direct reports.
● Build a high-performance culture centered on ownership, data, speed, customer outcomes, and continuous
improvement.
● Drive strong collaboration across Operations, Product, Engineering, Finance, Compliance, and Risk.
Ideal candidate profile looks like:
Experience & Background:
● 18+ years of overall experience, including significant senior operational leadership experience.
● Bachelor’s degree in Business, Finance, Engineering, or a related field; an MBA from Tier 1 B-schools.
● Leadership experience in a hyper-growth fintech, digital-first banks/ technology-led banks, or consumer
technology company is mandatory.
● Career progression through core operations, business operations, banking operations, payments, credit,
compliance, risk, process excellence, or automation.
● Proven experience scaling large, complex, technology-enabled operations.
● Strong knowledge of automation, AI-led operations, compliance, KYC, fraud, risk, controls, and process
improvement.
● Experience leading multiple functions and managing senior leaders.
● Strong understanding of operational budgets, unit economics, cost-to-serve, and customer outcomes.
● Experience in the U.S. consumer fintech ecosystem is strongly preferred.
What we are specifically looking for:
● This is an operations-first leadership role. The candidate should have built their career across core operations,
business operations, banking operations, payments, credit, compliance, risk, process excellence, or
automation.
● Candidates whose careers have primarily been in Customer Success or Customer Service, with operations
managed only as an additional responsibility, may not be the right fit.
● Relevant leadership experience in a hyper-growth fintech or consumer technology company is mandatory.
Candidates coming primarily from other industries or traditional, non-technology-led businesses may not be
suitable.
● Direct experience across every listed fintech function is not required. However, the candidate must have
successfully led complex, regulated, and technology-enabled operations at scale.
● The ideal candidate should combine strong operational depth with automation, compliance, risk, technology,
commercial, and customer orientation.

Mindset & Operating DNA:
● Demonstrated ability to develop and implement strategic plans that align with company goals and objectives.
● Proficient in analyzing complex problems and synthesizing data to make informed, data-driven decisions in a
rapidly evolving environment.
● Skilled in building and maintaining strong relationships with a diverse range of stakeholders, including team
members, executives, customers, and partners.
● Proficient in fostering collaboration and teamwork across cross-functional teams, ensuring alignment and
shared goals.
● Comfortable operating in a fast-paced, high-accountability environment.
What Bright Offers?
● A profitable sub-unicorn with U.S. market scale – liquidity potential at $1–3B valuations.
● Real ownership: You run your functions and report to the CEO
● Operations Excellence: The opportunity to build Bright’s operating engine through its next stage of
hyper-growth.
● Wealth creation: Equity at an inflection stage of scale.
● A data-driven, high-cadence culture that combines consulting rigor with FinTech speed.
● Benefits: excellent Benefits package in line with sector best practice.