--- title: 'Strategy & Operations, Senior Lead at Pagaya' canonical: 'https://feeny.ai/job/strategy-operations-senior-lead-pagaya-new-york-wv84s3fn2syt' type: 'job' last_seen: '2026-11-07' --- # Strategy & Operations, Senior Lead at Pagaya - **Company:** Pagaya - **Location:** New York, NY - **Compensation:** $170k–$200k - **Posted:** 2026-10-26 - **Last confirmed live:** 2026-11-07 - **Apply:** https://job-boards.greenhouse.io/pagaya/jobs/8044831003 ## 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, data-driven, and collaborative Strategy and Operations Senior Lead for our Auto Lending division. In this elevated, high-impact role, you will act as a primary partner to the General Manager and cross-functional executives to define the strategic roadmap and operationalize the future of our lending network. You will be instrumental in driving organizational excellence, optimizing partner economics, architecting scalable processes, and leading critical cross-functional initiatives in a fast-paced fintech environment. ## Responsibilities - Actively engage with the GM and internal stakeholders to formulate and execute on the key strategic priorities. - Build and update specific auto business dashboards to track progress against KPIs and action items. - Own the content creation and business analysis required for key C-Suite reviews. - Represent the GM in internal meetings, if required, ensuring clear communication, alignment, and an inclusive team culture. - Provide insights and analysis for partnership, product, and risk teams with the goal of getting our lending partners to improve operating performance in originations and servicing. - Research and recommend market and competitive data sources for improving Auto Lending modeling and decisioning. ## Requirements - 5+ years of experience in fintech, consumer lending, or similar fast-paced financial services environments. - 7+ years of total experience in corporate strategy, BizOps, FP&A, or top-tier management consulting, with a demonstrated track record of impacting operating units. - A highly collaborative and proactive problem-solver who thrives in a collaborative environment and leads with a strong ownership mentality. - NYC-area based - must commit to being in office 4 days a week (Monday-Thursday). 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 $170,000—$200,000 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. 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