Director of Risk and Analytics

3 days ago

New York, New York, United States Pagaya Full time

Pagaya is a global technology company that is reshaping the financial services ecosystem by providing comprehensive consumer credit and residential real estate solutions for its partners, their customers, and investors. The company has offices in New York and Tel Aviv.

About the Role

The Director of Risk and Analytics will lead our Portfolio Risk Analytics team in developing and overseeing Pagaya's portfolio risk analytics and monitoring frameworks. This strategic role requires extensive expertise in consumer finance products, credit risk, risk appetite and strategy, as well as regulatory compliance.

Responsibilities
  • Portfolio Risk Monitoring: Design and implement a comprehensive portfolio risk monitoring framework to identify, measure, and oversee risks across asset classes and financing vehicles throughout the consumer loan lifecycle.
  • Performance Analysis: Regularly monitor portfolio flow and performance, identifying outperforming and underperforming segments to inform flow rebalancing strategies.
  • Risk Assessment: Provide insights on expected loss and profitability profiles for comparison against first-line estimates.
  • Macro and Capital Market Risk: Develop a framework to identify, monitor, and analyze macroeconomic and capital market risks affecting the business.
  • Risk Appetite Framework: Lead the design and implementation of a risk appetite framework tailored to the unique dynamics of Pagaya's business.
  • Portfolio Construction: Create a holistic portfolio construction and optimization framework that integrates results from portfolio monitoring, macroeconomic analysis, and capital market insights.
  • Cross-Functional Collaboration: Work closely with modeling, product, finance, and business teams to ensure effective execution of the risk appetite framework.
  • Stress Testing and Sensitivity Analysis: Design and implement a robust framework for stress testing and sensitivity analysis, addressing the specific needs of the organization.
  • Proactive Risk Management: Establish early risk indicators and develop scenario-based playbooks to facilitate proactive risk identification and rapid mitigation.
Requirements
  • Experience: A minimum of 10 years in senior roles within consumer finance risk management and analytics; an MBA or Master's degree in a relevant field is required.
  • Industry Knowledge: Extensive experience in credit cards and unsecured lending with leading financial institutions.
  • Regulatory Understanding: Strong knowledge of U.S. consumer lending regulations and compliance expectations.
  • Analytical Expertise: Deep understanding of consumer portfolio dynamics, combining granular analysis with macroeconomic factors, risk appetite, and strategic objectives.
  • Communication Skills: Exceptional analytical, strategic, and communication skills.
  • Technical Proficiency: Proficient in statistics, machine learning, and optimization techniques, with familiarity in modern financial services technology and functional risk needs.
  • Preferred Skills: Expertise in consumer Asset-Backed Securities (ABS) trading, valuation, and risk management is a plus.

The salary range for this position is $250,000-$275,000 USD per year, commensurate with candidate experience. Compensation ranges may differ based on location.

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