About the Role

Pagaya sits at the intersection of lenders, consumers, and institutional investors in the consumer credit ecosystem. We are seeking a Principal Product Manager to drive the next phase of our platform expansion. In this role, you will lead the end-to-end product strategy and development required to scale our white-label network across new and existing enterprise partners.

As a Principal Product Manager, you will serve as a strategic thought partner to executive leadership while maintaining hands-on execution. You will tackle complex technical challenges-from architecting seamless platform integrations and robust API developer ecosystems to scaling core underwriting engine infrastructure. This is a high-visibility, individual contributor role where your strategic vision and technical execution will directly influence Pagaya's growth trajectory.
Responsibilities
End-to-End Product Strategy & Development

• Define Product Vision: Drive the multi-year product strategy for Pagaya's core lending network, aligning business growth objectives with scalable technology solutions.
• Full-Lifecycle Ownership: Own products from zero-to-one conceptualization through technical spec development, launch, and continuous post-launch optimization.
• Portfolio Scaling: Balance immediate revenue-driving partner feature requests against long-term core platform architectural investments.

Platform Integrations & API Development

• Enterprise API Strategy: Lead the product development of high-throughput, low-latency APIs and developer tooling that enable frictionless enterprise integration for banks, fintechs, and point-of-sale partners.
• Seamless Partner Onboarding: Design scalable integration frameworks that dramatically reduce partner onboarding timelines, standardize data exchange, and streamline partner configuration.
• Developer Experience & Tooling: Establish robust documentation, sandboxes, and integration tooling to ensure Pagaya's platform remains the preferred integration choice for institutional financial partners.

Core Product Development & Platform Infrastructure

• Core Engine Scalability: Partner deeply with Engineering and Data Science to enhance Pagaya's core underwriting, decisioning, and capital allocation platforms as transaction volume scales across the business.
• Productization of AI/ML Models: Translate complex machine learning models and credit decisioning workflows into scalable, resilient product features.
• Enterprise Reliability: Ensure core systems meet rigorous performance, uptime, data security, and compliance standards necessary for enterprise banking environments.

Cross-Functional Leadership & Partner Impact

• Executive Alignment: Serve as a trusted advisor to senior leadership across Product, Engineering, Data Science, and Capital Markets, translating technical trade-offs into business decisions.
• Partner Collaboration: Work alongside Growth and Partnerships to engage with key banking and fintech partners, transforming market feedback into platform capabilities.
• Product Excellence: Elevate product management standards across the organization, refining product operations frameworks, and championing a data-driven execution culture.

Qualifications

• Experience: 8+ years of progressive product management experience, with a focus on fintech, high-growth B2B enterprise platforms, or consumer credit ecosystems.
• Domain Expertise: Demonstrated track record in API development, enterprise platform integrations, and developer-facing software products. Familiarity with lending, banking rails, or credit risk systems is strongly preferred.
• Technical Depth: Exceptional technical fluency. Ability to converse seamlessly with systems architects, data scientists, and engineering leaders regarding API design, platform scalability, and machine learning infrastructure.
• Strategic Execution: Proven history of operating as a high-impact strategic individual contributor-able to write crisp PRDs, define clear system architectures, and lead cross-functional delivery teams without direct authority.
• Analytical Mindset: Rigorous, data-driven approach to prioritization, success metrics, performance tracking, and continuous product iteration.
• Communication & Influence: Excellent executive presence with the ability to articulate complex technical and financial concepts to internal executives and external partner stakeholders.

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

$190,000-$230,000 USD

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.