Senior Partnerships & Product Counsel
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Job Description
About Pagaya
Shape the Future of FinancePagaya 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 Senior Partnerships & Product Counsel to lead the legal structuring, negotiation, and execution of Pagaya’s most strategic, revenue-generating partnerships and embedded finance products.
This role sits at the intersection of product development, consumer credit regulation, and complex commercial deal-making. You will act as the primary legal owner for high-impact partnerships, advising on product launches, distribution and servicing models, asset acquisition arrangements, and go-to-market strategy in a highly regulated fintech environment.
The ideal candidate is a commercially minded lawyer who is comfortable operating with significant autonomy, balancing legal risk with business objectives, and partnering closely with Product, Growth, Risk, Compliance, Capital Markets, and Technology teams.
This role reports directly to the Chief Legal Officer and is based in New York.
Responsibilities
Own the legal strategy, structuring, negotiation, and execution of Pagaya’s most complex and strategic partnership agreements, including embedded finance, asset acquisition, servicing, and distribution arrangements.
Serve as the primary legal partner to Product and Growth teams on new product launches and feature development, translating regulatory requirements into scalable, commercially viable structures.
Advise on U.S. consumer credit and fintech regulatory considerations impacting products and partnerships, working closely with Compliance and Risk teams to identify, mitigate, and allocate risk.
Structure and negotiate sophisticated commercial models with banks, fintech platforms, and other financial institutions, including arrangements involving loan ownership, servicing responsibilities, data sharing, and risk allocation.
Provide practical legal guidance on marketing, branding, and customer-facing initiatives (including digital and direct mail) in connection with partner launches and go-to-market efforts.
Collaborate cross-functionally with Capital Markets, Risk, Compliance, Product, Growth, and Technology teams to design programs that are compliant, scalable, and commercially effective.
Monitor regulatory developments affecting consumer lending and related financial products, and proactively advise the business on implications and opportunities.
Act as a trusted legal advisor to senior business leaders, helping evaluate risk, prioritize opportunities, and drive execution in a fast-paced environment.
Requirements
8+ years of legal experience at a top law firm and/or in-house, with significant experience leading and negotiating complex commercial or financial services transactions (candidates with materially more experience are encouraged to apply).
Experience advising on consumer credit, lending, fintech, or other regulated financial products, with the ability to identify regulatory risk and partner effectively with Compliance and Risk teams.
Demonstrated ability to independently lead bespoke, high-stakes transactions involving regulated counterparties.
Strong drafting and negotiation skills, with sound commercial judgment.
Business-oriented mindset and comfort balancing legal rigor with practical execution.
Experience working cross-functionally with Product, Growth, Risk, Compliance, and/or Capital Markets teams.
Experience advising on marketing and advertising matters is a plus but not required.
Admission to practice in at least one U.S. jurisdiction (New York preferred).
Fluency in English (written and spoken).
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.
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.
- BeAccountable 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.
Automate your job search with Sonara.
Submit 10x as many applications with less effort than one manual application.