Analyst, Treasury

About Pagaya

Shape the Future of FinancePagaya 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 Analyst to join our team in NYC. Treasury at Pagaya is a core team responsible for managing daily capital deployment, infrastructure, and funding workflows across our investment vehicles, including ABS, forward flows, and investment funds.

In this role, you will own the operational execution of multi-deal capital movements, deal onboarding, and account setups while serving as a primary operational liaison for external banking partners, loan servicers, and custodians. You will track liquidity across complex SPV networks, ensure assets meet concentration limits, and lead daily data reconciliations to ensure operational integrity across high-velocity financial flows. This position offers direct, hands-on exposure to structured finance mechanics, capital markets execution, and partner operations.

What You’ll Do

Funding & Capital Deployment: Coordinate and manage concurrent loan purchases across multiple deal structures and diverse loan origination and servicer networks, ensuring seamless daily execution.

Liquidity: Monitor real-time cash balances, facility draw capacities, and liquidity positioning across dozens of SPVs, warehouse facilities, and investment funds.

Concentration Limit & Covenant Monitoring: Track portfolio concentration limits, borrowing base parameters, and eligibility criteria during asset allocation to ensure strict compliance with deal indentures and credit agreements.

New Deal Onboarding & Account Setup: Lead the end-to-end operational setup of bank and trust accounts for new deal structures, managing entitlements, portal configurations, and onboarding checklists.

Partner Operations: Act as a main operational point of contact for external originators, loan servicers, custodians, and banking institutions to coordinate daily cash flows and resolve operational exceptions.

KYC: Own institutional KYC/AML documentation packages, periodic account reviews, and legal entity updates across banking and lending relationships.

Data Reconciliation & Reporting: Perform daily account and transaction-level reconciliations; analyze loan tapes and servicer data to identify and resolve cash or reporting discrepancies.

Operational Controls: Identify friction points in daily treasury workflows and implement updated procedures, controls, and reporting templates.

What We’re Looking For

Relevant Experience:

1–3 years in treasury operations, middle office, or settlement roles within financial services, fintech, or investment management.

Required Skills:

Proven ability to manage multi-entity funding workflows, bank portals, and daily settlement cutoffs with strict attention to detail.

Experience navigating institutional KYC requests and legal entity structures.

Solid working knowledge of Excel (SUMIFS, XLOOKUP, Pivot Tables).

Ability to collaborate effectively with external counterparties (banks, servicers, trustees) and internal teams (Legal, Capital Markets, Finance).

Preferred Skills

Structured Finance Exposure: Familiarity with ABS SPVs, trust accounts, loan tapes, or securitization mechanics.

Data Skills: Familiarity with SQL or automated reconciliation tools for handling large financial datasets.

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$85,000—$100,000 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.