Product Manager

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

About the Role:

We're looking for a data-driven Product Manager to help scale and optimize Pagaya's indirect loans product line. You'll partner closely with Data Scientists, and Partnerships teams to analyze origination trends, execute product strategy, and improve performance across the full origination funnel-from application submission to loan funding including marketing efforts.

This is a high-impact role for someone with a passion for solving complex business problems using data and driving innovation in the personal loans space.

Working with clients in the US

Responsibilities

• Work closely with data scientists, engineers, partnership, analysts and other stakeholders to understand their needs and translate them into clear and actionable requirements for the auto product.
• Collaborate to understand key drivers of origination performance, including application volume, approval rates, pull-through rates etc
• Work with stakeholders to determine product feature enhancements and prioritization
• Evaluate the impact of pricing, verifications, and underwriting changes on loan approvals and funded volumes
• Identify opportunities to optimize consumer experience and expand Pagaya's footprint.
• Develop insights into credit quality, borrower behavior, and lender performance by segment, region, and channel.
• Collaborate cross-functionally to guide roadmap priorities, support go-to-market initiatives, and track product success metrics.
• Translate complex data sets into clear business recommendations and executive-level reporting.

Requirements

• Bachelor's degree in a technical, quantitative, or business-related field; Master's preferred.
• 4 Years of experience as B2B/B2B2C Product Manager
• Experience in fintech consumer lending, or auto finance; indirect auto lending experience strongly preferred.
• Experience with statistical modeling, ML.
• English- Professional
• Understanding of the auto lending lifecycle, including dealer submissions, stipulation handling, pricing strategies, and funding mechanics- Advantage
• Ability to distill complex data into concise narratives and actionable recommendations.
• Comfort working cross-functionally in a fast-paced, data-rich environment.

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.