Associate, Treasury

Associate, Treasury

New York, NY

About Pagaya

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 pagaya.com.

Let's create better outcomes together!

About the Role

Pagaya is seeking a Treasury Associate to join our growing Treasury team in New York. This role focuses on supporting the firm's Investment Vehicles and Funds platform, including Forward Flow agreements, ABS transactions, capital allocations, and investment fund operations.

As a key contributor to day-to-day treasury operations, cash management, and securitization, you will partner closely with teams across Finance, Capital Markets, and Partnerships. Over time, this role will expand to include broader Corporate Treasury responsibilities, offering opportunities to contribute to liquidity management, forecasting, and financing activities.

This is a hands-on role suited for a professional with a meticulous approach, analytical capabilities, and an interest in structured finance, treasury operations, and financial infrastructure within a fast-paced fintech environment.

Responsibilities

Corporate Finance & Investment Vehicles

• Coordinate treasury initiatives and cross-functional projects.
• Prepare weekly cash forecasts, liquidity plans, and borrowing models; analyze and resolve variances.
• Improve processes, controls, and treasury best practices.
• Collaborate with Finance, Capital Markets, and Partnerships teams.

Treasury Operations

• Facilitate securitization and funding operations across ABS, Forward Flow and RIA Fund structures.
• Carry out cash management strategies, including daily cash positioning.
• Perform reconciliations and resolve discrepancies.
• Support reporting, waterfall analysis, and P&L review.
• Conduct compliance testing and calculations.
• Interface with external parties (originators, servicers, investors, custodians, rating agencies).
• Support partner, lender, and investment fund operations.

Operational Excellence & Scalability

• Enhance treasury operations including cash management, reconciliations, and funding flows.
• Build and refine processes, controls, and infrastructure to support a growing and increasingly complex platform.
• Identify opportunities for automation, data integration, and efficiency gains.
• Support funding strategy and capital deployment.
• Partner with Capital Markets and Finance to optimize funding across ABS and fund structures.

Data & Automation

• Perform data analysis and reporting to support treasury and funding decisions.
• Identify and implement automation and process improvements.

Qualifications

• 3+ years in Treasury, structured finance, fund operations, or financial operations.
• Experience in financial services, fintech, or asset management.
• High proficiency in analytical tasks and attention to detail (SQL experience mandatory).
• Advanced Excel skills; experience managing large datasets.
• Bachelor's degree in a relevant field.
• Experience with ABS / securitizations or structured finance.
• Exposure to credit, funds, or fixed income.
• Familiarity with cash management and treasury processes.
• Ability to review legal and transaction documents.
• Python experience preferred.

The pay ranges for New York-based hires are commensurate with candidate experience. Pay ranges for candidates working in locations other than New York may differ based on the cost of labor in that location.

Compensation Range for New York Based Hires

$110,000 - $140,000 USD

Our Team Pagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs with our head quarters located in NYC 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

• 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.
• 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.

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.