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Pagaya · 2 weeks ago

Senior Commercial Counsel, Strategic Partnerships & Product

New York, NY

Full-time

Onsite

Senior Level, Lead/Staff

$200K/yr - $240K/yr

8+ years exp

Pagaya is a global technology company focused on reshaping the financial services ecosystem through artificial intelligence. The Senior Commercial Counsel will lead legal structuring and negotiation of strategic partnerships and commercial transactions, collaborating closely with senior leaders across various teams to drive core revenue growth.

Artificial Intelligence (AI)Business DevelopmentCreditFinTech

Responsibilities

Serve as the lead negotiator and legal owner for complex commercial and strategic partnership agreements, including asset acquisition, servicing, and distribution arrangements

Partner closely with Product and Growth teams to support new product launches, features, and go-to-market initiatives, ensuring compliance with applicable consumer credit and fintech regulations

Structure and negotiate sophisticated partnership models with financial institutions, platforms, and service providers

Advise on marketing and advertising initiatives (including digital and direct mail), providing practical guidance to mitigate legal and regulatory risk while supporting growth

Collaborate cross-functionally with Risk, Compliance, Product, Capital Markets, and Technology to design scalable, compliant programs

Monitor regulatory developments impacting consumer lending and credit products and proactively advise the business on risk and opportunity

Provide clear, pragmatic legal advice to senior business leaders, balancing legal rigor with commercial execution

Qualification

Negotiating commercial agreementsDrafting complex contractsU.S. consumer credit regulationsFintech experienceStrategic partnershipsBusiness-oriented judgmentMarketingAdvertising adviceAdmission to practice lawFluent EnglishCross-functional collaboration

Required

8+ years of experience at a top law firm and/or in-house, with significant experience negotiating and drafting complex commercial and partnership agreements (candidates with materially more experience are encouraged to apply)

Strong background in commercial transactions, strategic partnerships, or product counseling, ideally in fintech, financial services, or a regulated environment

Working knowledge of U.S. consumer credit and lending regulations

Demonstrated ability to lead transactions independently, with excellent drafting and negotiation skills

Business-oriented judgment and the ability to deliver practical, actionable legal advice

Comfort working cross-functionally with Product, Growth, Risk, and Compliance teams

Confidence operating at both the strategic and hands-on level in a dynamic environment

Admission to practice in at least one U.S. jurisdiction (NY preferred)

Fluent English (written and spoken)