Full-Time
Senior Director
Capital Markets Strategy & Execution
Updated on 9/3/2026
Pagaya Investments
201-500 employees
AI-powered asset management and ABS issuance
Compensation Overview
$175k - $250k/yr
New York, NY, USA
In Person
Bachelor's
 Finance & Banking |
|---|
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- The candidate must have 7+ years of experience in capital markets, structured finance, securitization, investment banking, corporate strategy, or a related financial services field.
- The candidate must have strong mastery of structured finance and debt funding concepts, including asset-backed securities, warehouse facilities, forward flow, private credit, and debt documentation.
- The candidate must have deep experience with consumer finance or fintech lending platforms and consumer asset-backed securities asset classes, such as personal loans, auto loans, credit cards, and buy now, pay later.
- The candidate must be familiar with Intex, cash flow models, and collateral performance analysis, and have strong overall financial modeling capabilities.
- The candidate must be able to independently lead complex, ambiguous initiatives and drive cross-functional alignment in a fast-paced environment.
- The candidate must have a Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related quantitative field.
- Own Capital Markets strategic projects from problem definition through full implementation.
- Coordinate and drive execution across Risk, Finance, Legal, Technology, Operations, and external counterparties.
- Translate broad leadership goals into structured workplans, executive recommendations, and actionable implementation roadmaps.
- Support strategic rating agency initiatives, including onboarding, diligence readiness, methodology and structuring mapping, and credit narrative formulation.
- Help manage relationships across investment banks, institutional investors, and rating agencies.
- Drive initiatives focused on tracking and improving secondary market liquidity across relevant asset-backed securities shelves.
- Develop frameworks to monitor market liquidity and investor feedback, and provide updates and recommended actions to the executive team.
- Identify and implement workflows to automate reporting, cash flow analysis using Intex, surveillance, and executive dashboards.
- Partner with internal technology teams to build and scale safe, artificial-intelligence-enabled Capital Markets workflows.
Pagaya Investments uses artificial intelligence to manage institutional money through asset management products, especially asset-backed securities (ABS). It analyzes large datasets with machine learning to uncover opportunities in complex credit markets and to understand consumer behavior, then issues and actively manages AI-driven ABS for institutional investors. The product works by collecting data, training models to forecast cash flows and credit risk, structuring ABS, and continuously supervising them with AI, often in collaboration with tech-enabled partners. The company differentiates itself through large-scale, AI-powered active management of ABS, data-driven consumer insights, and an ecosystem of partnerships, enabling rapid development of end-to-end financial solutions. Its goal is to grow asset management by delivering AI-enabled financial products that deepen understanding of consumer behavior and improve returns for institutional clients.
Company Size
201-500
Company Stage
IPO
Headquarters
New York City, New York
Founded
2016
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Simplify's Take
What believers are saying
- Pagaya raised 2026 GAAP net income guidance to $155 million-$180 million on July 30.
- Q2 2026 revenue reached $387 million, with $45 million GAAP net income.
- Year-to-date 2026 ABS issuance hit $7.5 billion, a company record.
What critics are saying
- Klarna terminated Pagaya’s POS relationship on March 25, 2026, threatening a revenue stream.
- FRLPC margin fell to 4.2% in Q2 2026 as capital costs tightened.
- A partner roll-off will reduce late-Q3 and Q4 point-of-sale volumes.
What makes Pagaya Investments unique
- Pagaya’s AI underwriting feeds a $40 billion ABS platform since 2018.
- July 2026 AA-rated $900 million personal-loan ABS drew 37 investors.
- Q2 2026 network volume hit $3.5 billion across consumer-loan and auto partners.
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Benefits
Health Insurance
Paid Vacation
Flexible Work Hours
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -1%2 year growth
↓ -4%Central banks signalling fewer interest rate hikes could support early-stage AI companies outside big tech. A new screener has identified 29 AI small-cap stocks positioned to benefit from the next wave of machine learning and automation. Butterfly Network, a medical imaging company, combines handheld ultrasound devices with AI-powered Compass software. The firm recently posted record quarterly revenue with strong gross margins. However, it remains unprofitable and trades at a high price-to-sales multiple, whilst experiencing significant insider selling. Pagaya Technologies operates an AI-driven loan decisioning platform serving banks, fintechs, and auto lenders. The platform assesses and prices consumer and small business credit in real time. The screener surfaced 26 additional companies with similar growth potential in AI-powered sectors.
Pagaya Technologies raised its full-year 2026 guidance for network volume, revenue, and GAAP net income following strong second-quarter results. The company reported revenue of $387.04 million and net income of $45.27 million for Q2 2026, with diluted earnings per share of $0.49. Management now expects full-year 2026 GAAP net income between $155 million and $180 million, up from previous forecasts. The upgraded guidance reflects stronger operating performance from Pagaya's AI-driven underwriting engine and asset-backed securities funding model. The improved outlook supports the company's strategy of scaling network volume and fee income. However, investors face risks including potential regulatory oversight of AI credit models and credit cycle fluctuations that could impact partner growth and transaction volumes.
Pagaya Technologies reported record Q2 2026 results with network volume reaching $3.5 billion, up 33% year-over-year. Total revenue hit a record $387 million, increasing 19% year-over-year. The company achieved GAAP earnings per share of $0.49 and net income of $45 million, up from $16 million in the prior year. Adjusted EBITDA rose 43% to $124 million with a 32% margin. Core operating expenses decreased 6% year-over-year despite significant volume growth, demonstrating strong operating leverage. The company raised $3.7 billion in funding during the quarter and expanded its investor network to 174 participants. However, fee revenue less production costs as a percentage of network volume contracted 60 basis points sequentially to 4.2% due to product mix and elevated benchmark rates. Pagaya expects point-of-sale volume to decrease in late Q3 and Q4 following a partner roll-off.
Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today anno...
Pagaya Technologies has closed an upsized $900 million AAA-rated asset-backed securities transaction backed by personal loans. The PAID 2026-5 deal attracted 37 investors, including four new to Pagaya's ABS platform and five new to its PAID shelf. The transaction brings Pagaya's year-to-date personal loan ABS issuance to $4.7 billion and total 2026 issuance to $7.5 billion, both company records. Twenty-four new investors have joined Pagaya's ABS platform this year. Sahil Chandiramani, head of capital markets at Pagaya, said the upsizing reflects acceleration of the company's personal loan platform and strong repeat demand from institutional investors. Pagaya uses AI and machine learning to provide consumer credit products through its partner network.