---
title: 'Head of Portfolio Management, Personal Loans at Pagaya'
canonical: 'https://feeny.ai/job/head-of-portfolio-management-personal-loans-pagaya-united-states-fgjshd333wm5'
type: 'job'
last_seen: '2026-09-19'
---

# Head of Portfolio Management, Personal Loans at Pagaya 

- **Company:** Pagaya 
- **Location:** United States
- **Posted:** 2026-09-18
- **Last confirmed live:** 2026-09-19
- **Apply:** https://job-boards.greenhouse.io/pagaya/jobs/7996100003

## 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: We are seeking a highly strategic, commercially driven Head of Portfolio Management. You will serve as the commercial lead for the Personal Loans portfolio, performing and reviewing deep quantitative analysis to drive business outcomes. You will lead a distributed team of 7-8 direct reports based in NYC & in Tel Aviv - owning deal economics, pricing, and portfolio strategy. We need an innovative leader who leverages advanced data science to improve customer conversion, ensure tight customer-facing alignment, and expand bottom-line profitability.

## Key Responsibilities

- Portfolio Strategy & Deep Quantitative Analysis: Perform, review, and own deep quantitative analysis of the Personal Loans portfolio to drive profitable growth across the full customer lifecycle—from acquisition strategy to collections and recovery.
- Partner-Facing Alignment: Act as a key liaison in partner-facing alignment, ensuring that portfolio strategies, pricing, and analytics translate effectively to create a win-win with our partners.
- Deal Economics & Pricing: Lead risk-based pricing frameworks and unit economics. Balance risk and reward to maximize margins and risk-adjusted yield while maintaining market competitiveness.
- Global Team Leadership: Build, mentor, and manage a high-performing team of analytics and portfolio professionals, including directly managing and aligning with teams in Israel. Establish a culture of rigorous analytical and financial discipline during a critical organizational transition.
- Cross-Functional Partnership: Collaborate seamlessly with Risk, Product, Capital Markets, and Engineering to align portfolio strategies, share quantitative insights, and uncover new revenue pools.

## Qualifications

- 12+ years of progressive experience in consumer lending, credit strategy, or portfolio management, with at least 3 years in a player-coach role that includes managing distributed or international teams (experience managing teams in Israel is a strong plus).
- Commercial & Analytical Acumen: Demonstrated success in driving portfolio strategies, optimizing pricing, and navigating evolving credit environments through rigorous quantitative analysis.
- Technical Expertise: Deep understanding of consumer credit risk and data-driven decision making.
- Leadership & Communication: Exceptional ability to translate complex quantitative analysis into clear executive-level recommendations, with a proven track record of driving customer alignment and managing through organizational transitions.

## 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 

- [Business Development Associate](https://feeny.ai/job/business-development-associate-pagaya-new-york-brr11jn6jh3h) — New York, NY
- [Principal Product Manager](https://feeny.ai/job/principal-product-manager-pagaya-new-york-6barjyw40mpq) — 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
- [Director, Business Operations and COS to CCO](https://feeny.ai/job/director-business-operations-and-cos-to-cco-pagaya-new-york-j83g0h9tzyjw) — New York, NY
- [Director of Auto Partnerships](https://feeny.ai/job/director-of-auto-partnerships-pagaya-new-york-q0544nhe9j56) — New York, NY
- [Lead Recruiting Partner](https://feeny.ai/job/lead-recruiting-partner-pagaya-new-york-m5mwtq07ry2y) — New York, NY
- [Senior Lead/Director, Capital Markets Strategy & Execution](https://feeny.ai/job/senior-lead-director-capital-markets-strategy-execution-pagaya-new-york-s1jdj3y995qc) — New York, NY
- [Manager, Treasury](https://feeny.ai/job/manager-treasury-pagaya-new-york-wnsynb8j14ce) — New York, NY