Associate, Capital Strategy

Associate, Capital Strategy

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.

Responsibilities

• 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 materialsdecks, memos, performance summariesfor 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.

Requirements

Compensation Range for New York Based Hires

$140,000 - $160,000 USD

Our Team

Pagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs with our headquarters 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

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.