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.

Let's create better outcomes together!

About the Role

Pagaya is seeking a Treasury Associate to join our growing Treasury team in New York. This role will focus on supporting the firm’s Investment Vehicles and Funds platform, including Forward Flow agreements, ABS transactions, capital allocations, and investment fund operations.

The individual will play a key role in day-to-day treasury operations, cash management, and securitization execution, while partnering closely with teams across Finance, Capital Markets, and Partnerships. Over time, this role will expand to include broader Corporate Treasury responsibilities, with opportunities to contribute across liquidity management, forecasting, and financing activities.

This is a hands-on role suited for a candidate with strong attention to detail, analytical capabilities, and interest in structured finance, treasury operations, and financial infrastructure within a fast-paced fintech environment.

Responsibilities:

Corporate Finance & Investment Vehicles

• Support and lead treasury initiatives and cross-functional projects

• Prepare weekly cash forecasts, liquidity plans, and borrowing models; analyze and resolve variances

• Improve processes, controls, and treasury best practices

• Partner with Finance, Capital Markets, and Partnerships

Treasury Operations

• Manage securitization and funding operations across ABS and Forward Flow structures

• Execute cash management strategy, including daily cash positioning

• Perform reconciliations and resolve discrepancies

• Support reporting, waterfall analysis, and P&L review

• Conduct compliance testing and calculations

• Interface with external parties (originators, servicers, investors, custodians, rating agencies)

• Support partner, lender, and investment fund operations

Data & Automation

• Perform data analysis and reporting to support treasury and funding decisions

• Identify and implement automation and process improvements

Corporate Treasury

• Support broader liquidity management and financing activities

Qualifications

Required:

• 3+ **years in Treasury,**structured finance,fund operations, or financial operations

• Experience in financial services, fintech, or asset management

• Strong analytical skills and attention to detail (SQL experience mandatory)

• Advanced Excel; experience with large datasets

• Bachelor’s degree in a relevant field

Preferred:

• Experience with ABS / securitizations or structured finance

• Exposure to credit, funds, or fixed income

• Familiarity with cash management and treasury processes

• Ability to review legal/transaction documents

• Python experience

*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**$120,000—$140,000 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.