About Pagaya

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.

About the Role

As part of Pagaya’s Risk Management team, you will be a part of a pivotal, growing organization within the company. The Risk Management department’s mission is to analyze, review, and mitigate risk in decision making processes across Pagaya.

As part of your role, you will:

• Support the fair lending lifecycle including monitoring credit underwriting policies for disparate impact and conducting demographic portfolio analyses. Maintain regulatory compliance reporting and partner with cross-functional teams to identify risks and implement less discriminatory alternatives, as well as providing thorough documentation of all of the above.
• Own end-to-end data products, from extracting raw data from complex datasets to developing sophisticated analyses, monitoring systems, and reports using Python, SQL, and other analytical tools.
• Translate complex data models into actionable business intelligence with the goal of improving modeling, business understanding, and strategic decision making, as well as clearly communicating complex findings to partners, internal stakeholders, and management.
• Partner with cross-functional teams across research, operations, product, and engineering to proactively identify and manage risks associated with new models and/or policies
• Continuously broaden your knowledge of Pagaya's operational, business, and technological landscape and identify and execute high-value initiatives that contribute to the company's strategic goals.
• Leverage AI-driven tools to automate workflows and drive operational efficiency across the team

Requirements

• 5+ years experience processing and analyzing data using Python (pandas, seaborn, etc.); SQL a must
• 5+ years experience in banking, finance, or other relevant data-driven roles within an international organization, preferably in one or more of the following areas: credit risk modeling, fair lending analysis, financial consulting, business analytics, or relevant data operations
• B.A/M.A/MBA graduate (Economics, Statistics, Finance or similar quantitative disciplines) with an exceptional academic track record
• Excellent communication and presentation skills.
• Proven track record of identifying operational deficiencies, performing root-cause analysis, and implementing effective, sustainable mitigation strategies
• Very high level of English (verbal and written), including the ability to write and present articulated documentation and processes in English. The role requires daily proficiency in both Hebrew and English - written and spoken.
• Ability to work in a fast-paced environment and get things done
• Proven aptitude for independent learning and a strong capacity to translate new knowledge into practical, day-to-day organizational value

Advantage

• Proficiency in coding and other data science related disciplines
• Experience in banking, credit risk or other financial companies
• Proven experience in financial data modeling
• Experience in data visualization tools such as Looker/Tableau, etc.
• Experience in Fintech, or other relevant data-driven companies
• Experience with US Banking regulations, including Fair Lending laws a plus

Our Team

Pagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs, and we are now 500+ strong in New York, Los Angeles, 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

Our values are at the heart of everything we do. We believe great solutions are built through a great community.

• 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.
• 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.

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.

Pagaya is an equal opportunity employer. Pagaya is encouraging diversity and actively seeking applicants from all backgrounds, as are committed to creating a diverse workforce together with an inclusive environment for all. Employment is decided on the basis of qualifications, skills, and business needs.