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Salary: USD 85,000 - 100,000 / annual
Pagaya is seeking a Treasury Analyst to join its core treasury team in New York. Treasury at Pagaya manages daily capital deployment, infrastructure, and funding workflows across investment vehicles including asset-backed securities (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.
Key responsibilities include:
- Coordinating and managing concurrent loan purchases across multiple deal structures and diverse loan origination and servicer networks
- Monitoring real-time cash balances, facility draw capacities, and liquidity positioning across dozens of SPVs, warehouse facilities, and investment funds
- Tracking portfolio concentration limits, borrowing base parameters, and eligibility criteria during asset allocation to ensure compliance with deal indentures and credit agreements
- Leading end-to-end operational setup of bank and trust accounts for new deal structures, managing entitlements, portal configurations, and onboarding checklists
- Acting 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
- Owning institutional KYC/AML documentation packages, periodic account reviews, and legal entity updates across banking and lending relationships
- Performing daily account and transaction-level reconciliations; analyzing loan tapes and servicer data to identify and resolve discrepancies
- Identifying friction points in daily treasury workflows and implementing updated procedures, controls, and reporting templates
Pagaya is a global technology company using machine learning, data networks, and AI-driven approaches to provide consumer credit and residential real estate solutions. The company has offices in New York and Tel Aviv and was founded in 2016 by seasoned research, finance, and technology entrepreneurs.
REQUIREMENTS:
- 1–3 years of experience in treasury operations, middle office, or settlement roles within financial services, fintech, or investment management
- 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:
- Familiarity with ABS SPVs, trust accounts, loan tapes, or securitization mechanics
- Familiarity with SQL or automated reconciliation tools for handling large financial datasets
