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 sits at the intersection of lenders, consumers, and investors in the consumer credit ecosystem. We are seeking a Principal Product Manager to serve as a strategic and operational thought partner to the Chief Product Officer, driving cross-product initiatives that scale Pagaya’s platform and deepen its value across personal loans, auto finance, and point-of-sale (POS) lending.

This is a senior individual contributor role — ideal for a highly accomplished product leader who thrives on connecting strategic insight with executional rigor. You’ll influence Pagaya’s product direction, partner with executives across Product, Engineering, Data Science, and Capital Markets, and own initiatives critical to the company’s growth trajectory.

Responsibilities

Strategic Leadership & Influence

• Partner directly with the Chief Product Officer to define and drive key strategic initiatives across Pagaya’s product ecosystem.

• Translate company and business objectives into actionable product strategies, frameworks, and roadmaps that guide execution across teams.

• Act as a trusted advisor to senior leadership on product direction, trade-offs, and prioritization.

• Monitor market, regulatory, and competitive trends to identify opportunities for innovation and differentiation.

Execution & Delivery

• Lead complex, cross-functional product initiatives — from concept to delivery — ensuring measurable business outcomes.

• Develop clear, data-driven roadmaps aligned with growth, scalability, and partner success.

• Engage deeply with Engineering and Data Science to design, validate, and launch scalable systems and platforms.

• Use a metrics-driven approach to define success, measure performance, and iterate quickly based on feedback and data insights.

Customer, Partner & Market Focus

• Collaborate with Pagaya’s partners — banks, fintechs, and investors — to understand needs, identify leverage points, and shape new opportunities.

• Distill customer insights and partner feedback into clear product requirements and strategic recommendations.

• Represent Pagaya’s product vision with credibility and impact in executive and external discussions.

• Work across Auto, Personal Loans, and Point of Sale. (OEM, Captives)

Culture & Collaboration

• Serve as a role model for product excellence — combining analytical depth, curiosity, and executional discipline.

• Drive a culture of collaboration, accountability, and innovation across Product, Engineering, and Business teams.

• Mentor emerging PMs and cross-functional partners to elevate product thinking and strategic rigor.

Requirements

• 10+ years of progressive product management experience, including time in high-growth fintech or consumer lending environments (e.g., So Fi, Affirm, or similar).

• Proven success driving strategy and execution for complex, multi-stakeholder products — ideally within lending, banking, or credit ecosystems.

• Strong executive presence and communication skills, with the ability to influence at all levels and synthesize complex ideas clearly.

• Deep technical fluency — able to engage confidently with engineering and data teams on architecture, scalability, and trade-offs.

• Demonstrated ability to operate as a strategic IC: self-directed, detail-oriented, and able to move seamlessly between strategy and execution.

• Analytical and data-driven mindset with a disciplined approach to decision-making and prioritization.

• Bachelor’s degree required; advanced degree preferred.

• Based in or able to regularly travel to New York City.

*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**$220,000—$260,000 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.