Pagaya - Senior Director, Associate General Counsel
Requirements
• Experience Level: 8–15+ years of total legal experience, accompanied by 7–10 years of expertise in consumer credit, retail banking, or lending partnerships. • 7–10 years of expertise • US Consumer Credit & Lending Regulation: Expert-level command of key regulations, including TILA/Reg Z, ECOA/Reg B, FCRA, UDAP/UDAAP, and GLBA. • US Consumer Credit & Lending Regulation: • TILA/Reg Z, ECOA/Reg B, FCRA, UDAP/UDAAP, and GLBA • Bank Partnership Models: Deep familiarity with bank-fintech origination structures, marketplace lending, and the complexities surrounding the "true lender" doctrine. • Bank Partnership Models: • Institutional Bank Due Diligence: Direct, proven experience navigating the rigorous Third-Party Risk Management (TPRM), InfoSec, and compliance audits required by Tier-1 retail banks. • Institutional Bank Due Diligence: • Data Protection: Strong background in financial data protection, privacy, and intellectual property safeguarding within a highly technical, data-driven environment. • Data Protection: • Communication & Executive Presence: Exceptional ability to articulate complex regulatory concepts clearly and persuasively. You must possess the presentation skills to instill deep trust and build lasting relationships with risk-averse institutional partners. • Communication & Executive Presence: • Education: Juris Doctor (JD) from an accredited law school and active membership in good standing with at least one state bar. • Education: • Note on Background: This role is highly suited for a senior legal professional currently at a top-tier retail bank or an established fintech platform who is looking for more direct impact, functional autonomy, and the opportunity to help scale a massive, rapidly growing business. Ideal backgrounds include SVP/Director of Legal in Consumer Banking, Deputy GC/Associate General Counsel of Fintech/Lending Partnerships, or a Senior Counsel/Partner within a Financial Services Regulatory practice. • Note on Background: • 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. • 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. • Continuously Learn • Debate and Commit- We respectfully and openly debate to strengthen our ideas and build shared conviction - once we decide, we go all in, together. • Debate and Commit • Dream Big and Act- We boldly tackle complex problems, pressure-test solutions in real-time, and adapt with speed and energy. • Dream Big and Act • 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. • Advance Inclusion • Be Accountable Together- We proudly own our actions and our results, taking initiative to ensure our work gets over the finish line as a team. • Accountable Together • 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.
Responsibilities
• Long-Term Bank Partnerships & Deal Execution: Act as the primary, authoritative legal interface for our institutional partners. You will lead frictionless due diligence and onboarding for Tier-1 banks, while managing the ongoing legal strategy, relationship health, and evolving regulatory needs of those partnerships over time. • Long-Term Bank Partnerships & Deal Execution: • Strategic Deal Architecture (Hands-On): Take ownership of structuring, drafting, and negotiating complex program agreements, commercial agreements, and model engagement agreements. You will pair high-level strategic thinking with a willingness to roll up your sleeves and lead the drafting process. • Strategic Deal Architecture (Hands-On): • Consumer Lending Subject Matter Expertise: Act as our resident expert on consumer lending regulations. Confidently guide the business on regulatory flexibility, effectively balancing innovation with compliance, and advocate for Pagaya's position with our external partners. • Consumer Lending Subject Matter Expertise: • Franchise & IP Protection: Champion robust data protection and privacy strategies. Safeguard our proprietary AI models, data pipelines, and confidential business information as we rapidly scale and integrate with new institutional partners. • Franchise & IP Protection: • Regulatory Compliance Strategy: Partner closely with Pagaya’s product and data science teams to ensure AI-driven underwriting compliance, proactively addressing fair lending requirements and algorithmic bias mitigation. • Regulatory Compliance Strategy: • Ongoing Functional Leadership: Serve as a core strategic leader within the legal function, reporting directly to the General Counsel. Guide and influence cross-functional teams (Commercial, Product, Data, Research, and Risk) by translating complex regulatory constraints into actionable, long-term business strategies. • Ongoing Functional Leadership:
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