Full-Time
Director – HR Business Partner
Posted on 11/17/2025
Pagaya Investments
201-500 employees
AI-powered asset management and ABS issuance
Compensation Overview
$200k - $230k/yr
New York, NY, USA
In Person
 People & HR (1) |
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- 10+ years of HR/People Partner experience, including at least 4 years leading HRBP or business partner functions.
- Proven success as a strategic advisor and coach to employees/managers in high-growth, fast-paced, or lean environments.
- Strong experience with talent management, leadership development, performance management, and organizational design.
- Hands-on experience with compensation and people analytics, including building dashboards, financial models, or executive presentations.
- Exceptional communication and stakeholder management skills; ability to simplify complexity for leaders.
- Commercially minded, with strong analytical skills and comfort working with data to drive decision-making.
- Self-starter with a consultative and solutions-oriented mindset; thrives in dynamic, evolving organizations.
- Experience in financial services, fintech, or tech preferred.
- Bachelor’s degree required; advanced degree (MBA/Masters) preferred.
- Serve as a thought partner to leaders on organizational design, leadership effectiveness, team performance, and long-term talent planning.
- Coach leaders and employees and on feedback, development planning, and employee engagement.
- Anticipate talent risks and opportunities; design practical solutions that improve retention and career growth.
- Partner with leaders to design and deliver talent strategies, including performance reviews, career frameworks, and succession planning.
- Foster a culture of learning, feedback, growth, and accountability across teams.
- Lead compensation-related processes for the U.S., including year-end reviews, benchmarking, and pay equity analyses.
- Develop clear, data-driven materials (dashboards, presentations, models) to guide leadership decisions.
- Provide hands-on analysis and insights around workforce trends, headcount, attrition, and employee engagement.
- Partner with leaders on organizational design, workforce planning, and change management.
- Align skills, structures, and people to business priorities to maximize effectiveness.
- Partner with global People Partners to align U.S. programs with global strategy.
- Embed HRBP operating model that separates strategic vs. transactional work, ensuring HRBPs drive true business value.
- Advanced degree (MBA/Masters) preferred.
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
Simplify's Take
What believers are saying
- Q1 2026 EPS hit $0.73, beating $0.20 estimates with 213% YoY net income growth to $25 million.
- Closed $500M AAA-rated RPM-2026-2 auto ABS, largest ever, raising $3.5B YTD capital.
- Sezzle partnership integrates AI underwriting for point-of-sale loans via WebBank.
What critics are saying
- Upstart's generative AI outperforms Pagaya's models, eroding partners like Prosper in 6-12 months.
- Moody's and S&P tighten ABS criteria after 15% delinquencies, blocking issuances in 12-18 months.
- Federal AI Credit Fairness Act mandates Pagaya Pulse audits, slashing EBITDA in 18-24 months.
What makes Pagaya Investments unique
- Pagaya operates as embedded second-look AI lending network for banks like SoFi and U.S. Bank.
- Pagaya Pulse platform uses machine learning for real-time loan application decisions via APIs.
- Pagaya issues AI-managed ABS, raising $37 billion across 88 transactions since 2018.
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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
↓ -1%Pagaya Technologies, a fintech company enabling loan application management, has experienced significant volatility since Jim Cramer recommended selling in February. The stock is down 45% year-to-date and 14% since Cramer's comments, though it surged 209% between late February and early September. On 24 February, Cramer advised taking profits, stating fintech winners were limited. The stock initially dropped 23.9% on 9 February after missing fourth-quarter revenue estimates. However, shares jumped 25.4% on 17 July following strong preliminary second-quarter results, with network volume, revenue and net income all exceeding guidance. Despite the interim rally, the overall downward trajectory has vindicated Cramer's sell recommendation. Pagaya's shares are up 16% over the past year but remain significantly lower than February levels.
Consistent market demand led to the successful onboarding of four new institutional investors to the PAID platform, further diversifying the company’s funding base. Since inception, Pagaya has generated $28.5 billion in ABS for personal loans to support its growing Partner Network.
Pagaya has raised $340 million through its PAID 2026-R2 asset-backed securities offering. The proceeds will fund a purchase account to acquire unsecured consumer loans from PAID 2024-2 and 2024-3, according to Kroll Bond Rating Agency and Fitch Ratings. The deal issues notes across fourteen tranches, from classes A1 through EF. Most tranches have a legal final maturity date of 15 February 2034, whilst A1 notes mature on 15 April 2027. The transaction represents Pagaya's continued activity in the consumer loan securitisation market, with the company using the structure to refinance previous ABS series.
Pagaya Technologies has closed a $600 million AAA-rated personal loan asset-backed securitisation, attracting 27 investors including four new institutional participants. The transaction, designated PAID 2026-2, demonstrates continued market confidence in the company's AI-driven credit platform. Since launching securitisations in 2018, Pagaya has issued over $36 billion across 86 transactions, supported by more than 165 institutional investors. The company has generated $28.5 billion specifically in personal loan ABS issuance to support its partner network spanning personal loans, auto lending and point-of-sale financing. Pagaya uses machine learning and data analytics to expand credit access whilst providing investment opportunities to institutional partners. The company said the successful execution reflects consistent platform performance and sustained market appetite for its structured credit offerings.
Pagaya has closed its first auto resecuritization transaction, RPM-2026-R1, raising approximately $450 million. The deal attracted 17 unique investors, demonstrating strong demand for seasoned collateral. The transaction marks a significant advancement in Pagaya's capital markets strategy and is expected to increase investor interest in its auto loan ecosystem. The deal provides investors access to diversified auto assets with 24 months of seasoning. The successful closure solidifies Pagaya's position in the financial ecosystem and establishes a foundation for future financing activities.