Associate, Capital Strategy

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

Let us create better outcomes together!

We are seeking a highly driven Capital Strategy Associate to join our New York team, reporting directly to the Chief Strategy Officer with significant exposure to capital markets and institutional sales. This role sits at the intersection of strategy, capital markets, and financial analysis, supporting the company’s efforts to optimize funding structures, evaluate capital deployment opportunities, and strengthen the financial architecture across our priority asset classes: personal loans/fintech marketplaces, indirect auto, and point‑of‑sale financing.

The ideal candidate brings a very strong analytical foundation from an investment banking, buyside, structured finance, capital markets, or corporate finance role and is excited to help shape the company’s capital strategy, monitor performance, and execute high‑impact initiatives alongside senior leadership.

• Support development of the company’s capital strategy, including evaluating funding options, capital allocation plans, and long‑term financial scenarios.
• Build and maintain detailed financial and capital structure models, incorporating performance trends, market conditions, and strategic priorities.
• Lead analysis of ABS/capital markets activity, including securitizations, warehouse facilities, partnership structures, and other financing arrangements.
• Prepare strategic materials—decks, memos, performance summaries—for the Chief Strategy Officer, executive team, and external capital partners.
• Conduct market and competitive analysis to understand broader capital markets trends, credit performance shifts, and funding environment developments.
• Monitor key financial and capital KPIs, flagging trends, performance drivers, risks, and opportunities.
• Partner with cross‑functional teams (Finance, Capital Markets, Strategy, Risk, and Operations) to support execution of capital‑related initiatives and improve operational efficiency.
• Assist in evaluating potential partnerships, capital providers, and strategic opportunities, supporting preliminary diligence and quantitative assessments.
• Track key industry participants to maintain awareness of relevant market movements, economic indicators, and implications for our capital strategy.

• 2‑5 years of experience in investment banking, structured products, capital markets, buyside or similar analytical roles (ideal for candidates from rigorous analyst programs).
• Strong financial modeling skills, especially related to credit, capital structures, and scenario analyses.
• Excellent communication abilities, including experience preparing polished, executive‑ready presentation materials.
• Ability to work closely with senior leaders, demonstrating reliability, strong judgment, and a professional presence.
• Ownership mentality and pride of output—understanding that your output is being used by the highest levels of the organization and is often mission critical.
• Exceptional attention to detail, with consistently accurate work under tight timelines.
• Highly organized, able to manage multiple, time‑sensitive work streams.
• Collaborative team player with strong emotional intelligence and a proactive, solution‑oriented mindset.
• Intellectual curiosity and eagerness to learn, with interest in capital markets, structured finance, and financial technology.

Pay ranges for New York‑based…