Senior Commercial Counsel, Strategic Partnerships & Product

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. We are a global technology company offering life‑changing financial products and services nationwide. By leveraging machine learning, a vast data network and an AI‑driven approach, Pagaya delivers comprehensive consumer credit and residential real‑estate solutions, powering seamless user experiences through a proprietary API and capital platform.

We are seeking a seasoned and strategic Partnership and Product Counsel to join our growing legal team. In this role you will provide expert legal guidance to the product, marketing, and technology teams, helping shape compliant, high‑performance programs for our consumer lending products and direct mail campaigns. The ideal candidate is a proactive, business‑minded lawyer who operates comfortably at both strategic and tactical levels, delivering clear, actionable advice to executives and hands‑on teams.

• Serve as the primary legal advisor for product development, marketing initiatives, and new features, ensuring compliance with fintech and consumer credit regulations.
• Draft, review, and negotiate commercial agreements related to the acquisition and servicing of various asset classes.
• Build, analyze, and structure complex partnerships.
• Advisory on marketing and advertising, with deep expertise in digital and direct mail campaigns, to mitigate legal and regulatory risks.
• Collaborate with Risk, Product, and Partnerships teams to design and execute compliant, high‑performance programs.
• Stay informed on regulatory changes in consumer lending and credit to proactively address legal risks.
• Provide clear, actionable legal advice that balances risk with business objectives.

• Qualified attorney in the United States (preferably NY).
• 6+ years of in‑house or law‑firm experience, preferably in consumer credit or financial services.
• Excellent contract drafting and negotiation skills, with minimal external counsel support.
• Deep familiarity with US consumer credit/lending regimes (FCRA, GLBA, TILA, etc.).
• Strong judgment and initiative in developing practical, business‑first solutions.
• Expertise in direct mail marketing—list selection, testing, regulatory nuances, and execution.
• Experience working cross‑functionally with Risk, Product, and Growth teams.
• Analytical acumen and ability to monitor performance and identify optimization opportunities.
• Assertive, results‑driven, and comfortable navigating ambiguity.
• Fluent English (written and spoken).

Compensation Range for New York‑Based Hires
: $200,000 – $240,000 USD

Pagaya was founded in 2016 by seasoned entrepreneurs in finance, research, and technology. Our headquarters are in NYC with a significant presence in Tel Aviv. We move fast, building end‑to‑end solutions powered by AI and unique data sources.

• Continuously Learn – challenging ourselves to grow as individuals, teams, and an organization.
• Debate and Commit – openly debating ideas to build shared conviction.
• Dream Big and Act – tackling complex problems with speed and energy.
• Advance Inclusion – designing systems that better represent people and generate sustainable value.
• Be Accountable Together – owning our actions and results as a team.

We believe health, happiness, and productivity go hand‑in‑hand. Pagaya continually enhances our benefits programs and perks to help every team member do their best work.

As set forth in Pagaya’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.