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. com .

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About The Role

The Credit Risk Manager, Auto Finance serves as the senior credit and execution authority for all auto lending partners, acting as the real-time risk, product, and operational bridge between each partner and Pagaya. This role is critical to delivering a best-in-class dealer experience by enabling fast, informed credit and funding decisions while protecting portfolio performance. This individual holds defined lending and funding authority to approve exceptions, waivers, and deal adjustments without reliance on centralized queues, ensuring speed to decision in high-volume environments.

The role owns deal-level credit execution, exception governance, and funding resolution, while continuously feeding performance insights back to Pagaya’s product, risk, and engineering teams to improve product-market fit and scalability. This is a highly visible, hands-on role central to the success and long-term performance of the Pagaya–Ally auto partnership.

Key Responsibilities

Credit Lending Authority Exercise delegated lending authority to approve credit exceptions, including LTV deviations, PTI buffers, pricing adjustments, rate concessions, and stipulation waivers within defined limits Provide real-time direction on deal restructuring required to generate approvals or improved pricing Track and evaluate the performance of loans approved with exceptions or waivers to validate risk outcomes and inform future credit policy Funding Authority Deal Resolution Extend credit authority into funding decision-making, including resolution of aged held offerings and minor funding issues Approve funding-related waivers (e.g., customer interviews, minor documentation gaps) when supported by borrower strength and deal structure Pre-Stip Validation Stipulation Governance Provide firm, upfront validation or clearance of stipulations prior to funding to reduce downstream friction Help design and manage the intake process for pre-stip validation (portal, workflow, or inbox), ensuring clarity for dealers and Ally teams Product Development Risk Intelligence Act as the primary feedback conduit between each partners underwriting, field teams, dealers, and Pagaya HQ Conduct win/loss and lost-deal analysis to identify take-rate opportunities, friction points, and competitive gaps Translate frontline insights into actionable recommendations for credit policy, approval logic, pricing, and operational workflows utilizing AI tools for consistency and repeatability Monitor early performance indicators including first-payment default, fraud trends, and exception outcomes Provide market level intelligence utilizing JD Power PIN and similar marketplace driver reporting tools Exception Operational Management Own day-to-day exception workflows and deal-level issue resolution Review daily AT files to identify failed loans, confirm prior approvals, and investigate unexpected declines Resolve escalated credit and operational issues directly with each partners stakeholders Enablement Stakeholder Engagement Deliver on-floor coaching, ad-hoc support, and formal training for partner staff Educate teams on best practic