--- title: 'Analyst, Treasury at Pagaya' canonical: 'https://feeny.ai/job/analyst-treasury-pagaya-new-york-8x8nezkbhtpp' type: 'job' last_seen: '2026-10-17' --- # Analyst, Treasury at Pagaya - **Company:** Pagaya - **Location:** New York, NY - **Compensation:** $85k–$100k - **Posted:** 2026-10-06 - **Last confirmed live:** 2026-10-17 - **Apply:** https://job-boards.greenhouse.io/pagaya/jobs/8014453003 ## Job description ## About Pagaya Shape the Future of Finance Pagaya is building a leading artificial intelligence network to help our partners grow their businesses and better serve their customers. Pagaya is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and a sophisticated AI-driven approach, Pagaya provides comprehensive consumer credit and residential real estate solutions for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. Pagaya has offices in New York and Tel Aviv. For more information, visit [pagaya.com](https://pagaya.com/). Let's create better outcomes together! ## About the Role Pagaya is seeking a Treasury Analyst to join our team in NYC. Treasury at Pagaya is a core team responsible for managing daily capital deployment, infrastructure, and funding workflows across our investment vehicles, including ABS, forward flows, and investment funds. In this role, you will own the operational execution of multi-deal capital movements, deal onboarding, and account setups while serving as a primary operational liaison for external banking partners, loan servicers, and custodians. You will track liquidity across complex SPV networks, ensure assets meet concentration limits, and lead daily data reconciliations to ensure operational integrity across high-velocity financial flows. This position offers direct, hands-on exposure to structured finance mechanics, capital markets execution, and partner operations. ## What You’ll Do - Funding & Capital Deployment: Coordinate and manage concurrent loan purchases across multiple deal structures and diverse loan origination and servicer networks, ensuring seamless daily execution. - Liquidity: Monitor real-time cash balances, facility draw capacities, and liquidity positioning across dozens of SPVs, warehouse facilities, and investment funds. - Concentration Limit & Covenant Monitoring: Track portfolio concentration limits, borrowing base parameters, and eligibility criteria during asset allocation to ensure strict compliance with deal indentures and credit agreements. - New Deal Onboarding & Account Setup: Lead the end-to-end operational setup of bank and trust accounts for new deal structures, managing entitlements, portal configurations, and onboarding checklists. - Partner Operations: Act as a main operational point of contact for external originators, loan servicers, custodians, and banking institutions to coordinate daily cash flows and resolve operational exceptions. - KYC: Own institutional KYC/AML documentation packages, periodic account reviews, and legal entity updates across banking and lending relationships. - Data Reconciliation & Reporting: Perform daily account and transaction-level reconciliations; analyze loan tapes and servicer data to identify and resolve cash or reporting discrepancies. - Operational Controls: Identify friction points in daily treasury workflows and implement updated procedures, controls, and reporting templates. ## What We’re Looking For - Relevant Experience: - 1–3 years in treasury operations, middle office, or settlement roles within financial services, fintech, or investment management. - Required Skills: - Proven ability to manage multi-entity funding workflows, bank portals, and daily settlement cutoffs with strict attention to detail. - Experience navigating institutional KYC requests and legal entity structures. - Solid working knowledge of Excel (SUMIFS, XLOOKUP, Pivot Tables). - Ability to collaborate effectively with external counterparties (banks, servicers, trustees) and internal teams (Legal, Capital Markets, Finance). ## Preferred Skills - - Structured Finance Exposure: Familiarity with ABS SPVs, trust accounts, loan tapes, or securitization mechanics. - Data Skills: Familiarity with SQL or automated reconciliation tools for handling large financial datasets. The pay ranges for New York-based hires are commensurate with candidate experience. Pay ranges for candidates working in locations other than New York may differ based on the cost of labor in that location. ## Compensation Range for New York Based Hires $85,000—$100,000 USD ## Our Team Pagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs with our head quarters located in NYC and Tel Aviv. We move fast and smart, identifying new opportunities and building end-to-end solutions from AI models and unique data sources. Every Pagaya team member is solving new and exciting challenges every day in a culture based on partnership, collaboration, and community. Join a team of builders who are working every day to enable better outcomes for our partners and their customers. ## Our Values - Continuously Learn- We challenge ourselves for the sake of getting better as individuals, as teams, and as an organization to deliver for our partners. - Debate and Commit- We respectfully and openly debate to strengthen our ideas and build shared conviction - once we decide, we go all in, together. - Dream Big and Act- We boldly tackle complex problems, pressure-test solutions in real-time, and adapt with speed and energy. - Advance Inclusion- We create a world where everyone can win, designing systems that better represent people and generate sustainable value for our employees, partners and investors. - Be Accountable Together- We proudly own our actions and our results, taking initiative to ensure our work gets over the finish line as a team. More than just a job We believe health, happiness, and productivity go hand-in-hand. That's why we're continually looking to enhance the ways we support you with benefits programs and perks that allow every Pagayan to do the best work of their life. ## About Pagaya ## Company Overview - **One-liner**: Pagaya is an AI-powered lending network that connects financial institutions with institutional investors to enable more inclusive and efficient consumer credit decisions. - **Entity Type**: Public (NASDAQ: PGY) - **Headquarters**: New York, New York, United States - **Founded**: 2016 - **Founders**: Gal Krubiner, Avital Pardo, Yahav Yulzari ## Core Business - Primary industry: Financial technology (fintech) / Consumer lending - Target customers: B2B – banks, credit unions, fintech lenders, and other financial service providers; also institutional investors (pension funds, sovereign wealth funds, asset managers) - Mission: "Deliver more financial opportunity to more people, more often" ## Products & Services - **Decline Monetization (Flagship)**: Automatically sends rejected loan applications to Pagaya’s network for a second look, enabling partners to approve customers they would otherwise decline without incremental risk. (SaaS/API) - **Dual Look**: Concurrent evaluation of applications with partners in real time to increase capture rates. (API) - **FastPass**: Removes verification friction for qualified borrowers to accelerate transactions. (API) - **First Look**: Routes designated application segments to Pagaya’s network before the partner reviews them. (API) - **Affiliate Optimizer Engine**: Enables partners to price and underwrite traffic from third-party affiliate channels via AI. (API) - **Direct Marketing Engine**: Uses Pagaya’s data network to help partners acquire new customers through email and direct mail. (API) - **Pagaya Intelligence**: Proprietary AI decision engine that processes applications in real time with zero latency. (Technology platform) Asset classes covered: Personal loans, auto loans, point-of-sale (POS) financing, and single-family rental (SFR) real estate. ## Market Standing - **Valuation/Market Cap**: Not directly available from provided sources; publicly traded on NASDAQ under ticker PGY (market cap fluctuates with market conditions). - **Key Metric**: Annual Revenue of $1.3 billion (2024, per LinkedIn estimate) / Total loan applications evaluated: **$3.6 trillion** (as of 2025 10-K) / Cumulative new credit generated: **$43 billion** (per website). - **Notable Investors/Partners**: Institutional investors including pension funds, sovereign wealth funds, and asset management firms; 30+ lending partners (banks and fintechs). - **Growth Signals**: Headcount grew to 518 employees as of December 2025 (up from ~400+ earlier); expanded into auto loans, POS, and SFR asset classes; processing scale creates a powerful data flywheel for AI improvement. ## Competitive Advantages - **AI-powered underwriting** trained on trillions of dollars in loan applications, providing superior accuracy and real-time adaptability. - **Decline monetization model** lets partners retain customers they would otherwise reject, with zero balance-sheet risk. - **Seamless API integration** with minimal latency, requiring limited upfront investment. - **Regulatory compliance** fully aligned with U.S. fair lending, data security, and risk management standards. - **Multi-product ecosystem** covering the full lending lifecycle (acquisition, application, point-of-sale) across multiple asset classes. ## Strategic Focus - Expand product suite beyond decline monetization into Dual Look, FastPass, Direct Marketing, and Affiliate Optimization. - Grow into new asset classes (auto, POS, SFR) and deepen partnerships with leading financial institutions. - Continue investing in AI and data science to maintain a competitive edge in credit evaluation. - Effective capital and risk management to support institutional investor relationships and fee-generating side of the business. ## Why Work Here - **Culture**: Team-oriented, entrepreneurial, and described as "curious builders" who take on inefficient systems. Core values emphasize innovation, collaboration, and impact. - **Work Model**: Hybrid/remote options – some roles listed as "US Remote" (e.g., Senior DevOps Engineer). Offices in New York (HQ) and Tel Aviv, Israel, with operations in Poland, Canada, and Portugal. - **Growth & Impact**: Rapidly growing public company with a mission to expand credit access. Employees work on cutting-edge AI, data science, and product development at scale. - **Engineering Culture**: Strong emphasis on data science, machine learning, and platform engineering. Open roles include Data Scientists, DevOps Engineers, Software Engineers, and Product Managers. - **Perks**: Competitive compensation and benefits; entrepreneurial environment with opportunities for ownership. ## Sources 1. [Pagaya Website](https://pagaya.com) 2. [Pagaya About](https://pagaya.com/about-us) 3. [Pagaya Careers](https://pagaya.com/careers) 4. [Pagaya LinkedIn](https://www.linkedin.com/company/pagaya) 5. [Pagaya 2025 10-K (SEC Filing)](https://investor.pagaya.com/static-files/60531c69-7058-4b12-9f29-72cf0ffe7a4f) ## Other roles at Pagaya - [Senior Lead, Market Risk](https://feeny.ai/job/senior-lead-market-risk-pagaya-new-york-tynbygyz3dqq) — New York, NY - [Senior Lead - Collections & Recovery](https://feeny.ai/job/senior-lead-collections-recovery-pagaya-new-york-za39pkmtd61g) — New York, NY - [Senior Director, Associate General Counsel](https://feeny.ai/job/senior-director-associate-general-counsel-pagaya-united-states-9qd8gmd13nhh) — United States - [GTM Lead (remote)](https://feeny.ai/job/gtm-lead-remote-pagaya-united-states-7nn7dn0ysvpr) — United States - [Go-to-market Lead - Avon](https://feeny.ai/job/go-to-market-lead-avon-pagaya-new-york-pbaf24fdqt3z) — New York, NY - [Head of Portfolio Management, Personal Loans](https://feeny.ai/job/head-of-portfolio-management-personal-loans-pagaya-united-states-fgjshd333wm5) — United States - [Business Development Associate](https://feeny.ai/job/business-development-associate-pagaya-new-york-brr11jn6jh3h) — New York, NY - [Head of PL & POS Growth](https://feeny.ai/job/head-of-pl-pos-growth-pagaya-united-states-1td8en0629dy) — United States - [Senior Director, Partnerships](https://feeny.ai/job/senior-director-partnerships-pagaya-new-york-3sfvhjcj88d7) — New York, NY - [Applied AI Engineer, Office of the CEO](https://feeny.ai/job/applied-ai-engineer-office-of-the-ceo-pagaya-new-york-7rjk826h5px0) — New York, NY