Head of Product, Principal Product Manager at Pagaya

New York, New York, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

10+ years of progressive product management experience, including time in high-growth fintech or consumer lending environments (e.g., SoFi, Affirm, or similar)
Proven success driving strategy and execution for complex, multi-stakeholder products — ideally within lending, banking, or credit ecosystems
Strong executive presence and communication skills, with the ability to influence at all levels and synthesize complex ideas clearly
Deep technical fluency — able to engage confidently with engineering and data teams on architecture, scalability, and trade-offs

Responsibilities

Partner directly with the Chief Product Officer to define and drive key strategic initiatives across Pagaya’s product ecosystem
Translate company and business objectives into actionable product strategies, frameworks, and roadmaps that guide execution across teams
Act as a trusted advisor to senior leadership on product direction, trade-offs, and prioritization
Monitor market, regulatory, and competitive trends to identify opportunities for innovation and differentiation
Lead complex, cross-functional product initiatives — from concept to delivery — ensuring measurable business outcomes
Develop clear, data-driven roadmaps aligned with growth, scalability, and partner success
Engage deeply with Engineering and Data Science to design, validate, and launch scalable systems and platforms
Use a metrics-driven approach to define success, measure performance, and iterate quickly based on feedback and data insights
Collaborate with Pagaya’s partners — banks, fintechs, and investors — to understand needs, identify leverage points, and shape new opportunities
Distill customer insights and partner feedback into clear product requirements and strategic recommendations
Represent Pagaya’s product vision with credibility and impact in executive and external discussions
Serve as a role model for product excellence — combining analytical depth, curiosity, and executional discipline
Drive a culture of collaboration, accountability, and innovation across Product, Engineering, and Business teams
Mentor emerging PMs and cross-functional partners to elevate product thinking and strategic rigor

Skills

Product Management

Product Strategy

Roadmaps

Machine Learning

Data Science

Capital Markets

Strategic Leadership

Cross-functional Collaboration

Pagaya

AI-driven asset management for institutions

About Pagaya

Pagaya specializes in managing institutional money through the use of artificial intelligence. The company focuses on the asset management market, particularly in creating asset-backed securities (ABS). Its products work by utilizing advanced machine learning and big data analytics to identify profitable opportunities in complex financial markets. By collaborating with tech-enabled firms, Pagaya enhances its understanding of consumer behavior, which is crucial for credit markets. Unlike its competitors, Pagaya actively manages ABS with AI, offering a distinct advantage to institutional investors. The company's goal is to issue and manage ABS effectively, as evidenced by its achievement of over $1 billion in ABS issuance within a year and a half, showcasing its growth and capability.

New York City, New YorkHeadquarters

2016Year Founded

$480.7MTotal Funding

IPOCompany Stage

Fintech, AI & Machine Learning, Financial ServicesIndustries

501-1,000Employees

Benefits

Health Insurance

Paid Vacation

Flexible Work Hours

Risks

Integration challenges from Tally acquisition may impact strategic goals.

Rapid expansion through acquisitions could strain resources and efficiency.

Increased competition from AI-driven companies like Rocket Companies threatens market position.

Differentiation

Pagaya uses AI and big data to manage institutional money effectively.

Pagaya Pulse platform offers a scalable performance edge with state-of-the-art algorithms.

Pagaya specializes in alternative credit markets, providing unique financial products.

Upsides

Pagaya raised $1 billion in ABS deals, showing strong capital market demand.

Acquisition of Tally's tech enhances Pagaya's embedded finance solutions.

Pagaya's strategic Advisory Board aims to accelerate business expansion.

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