Pagaya · 2 weeks ago
Credit Risk Manager, Auto Finance
United States
Full-time
Remote
Senior Level
7+ years expPagaya is a global technology company focused on reshaping the financial services ecosystem through artificial intelligence and machine learning. The Credit Risk Manager, Auto Finance will serve as the senior credit and execution authority for auto lending partners, ensuring fast, informed credit decisions while maintaining portfolio performance.
Artificial Intelligence (AI)Professional ServicesFinanceFinTechBusiness DevelopmentCredit
Responsibilities
Exercise delegated lending authority to approve credit exceptions, including LTV deviations, PTI buffers, pricing adjustments, rate concessions, and stipulation waivers within defined limits
Provide real-time direction on deal restructuring required to generate approvals or improved pricing
Track and evaluate the performance of loans approved with exceptions or waivers to validate risk outcomes and inform future credit policy
Extend credit authority into funding decision-making, including resolution of aged held offerings and minor funding issues
Approve funding-related waivers (e.g., customer interviews, minor documentation gaps) when supported by borrower strength and deal structure
Provide firm, upfront validation or clearance of stipulations prior to funding to reduce downstream friction
Help design and manage the intake process for pre-stip validation (portal, workflow, or inbox), ensuring clarity for dealers and Ally teams
Act as the primary feedback conduit between each partners underwriting, field teams, dealers, and Pagaya HQ
Conduct win/loss and lost-deal analysis to identify take-rate opportunities, friction points, and competitive gaps
Translate frontline insights into actionable recommendations for credit policy, approval logic, pricing, and operational workflows utilizing AI tools for consistency and repeatability
Monitor early performance indicators including first-payment default, fraud trends, and exception outcomes
Provide market level intelligence utilizing JD Power PIN and similar marketplace driver reporting tools
Own day-to-day exception workflows and deal-level issue resolution
Review daily AT files to identify failed loans, confirm prior approvals, and investigate unexpected declines
Resolve escalated credit and operational issues directly with each partners stakeholders
Deliver on-floor coaching, ad-hoc support, and formal training for partner staff
Educate teams on best practices for exception submissions, stip management, and deal structuring
Create a continuous feedback loop between partner operations and Pagaya’s product, risk, and technology teams
Qualification
Required
7+ years of experience in auto finance credit, underwriting, risk management, or funding operations
Direct experience working with auto dealers and indirect lending platforms
Demonstrated credit and funding authority in a high-volume lending environment
Deep understanding of auto credit structures, exceptions, stipulations, pricing, and funding workflows
Strong ability to interpret automated credit decisions and explain outcomes clearly to stakeholders
Proven track record of balancing credit risk with dealer experience and operational efficiency
Exceptional problem-solving skills with the ability to identify root causes across credit, data, and systems
Strong communication skills and comfort managing escalated, high-impact conversations
Highly organized and able to manage multiple priorities in real time
Comfortable working cross-functionally with product, risk, operations, and engineering team
Preferred
Data analytic skills highly preferred, including AI focused integration and market data platform experience
Company
Pagaya
Pagaya enables financial institutions to expand access to more customers through its artificial intelligence network.
501-1000 employees
H1B Sponsorship
Pagaya has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
33%
Represents job field similar to this job
Accounting and Finance
Engineering and Development
Sales
Product Management
Trends of Total Sponsorships
*2026 (1)
2025 (5)
2024 (2)
2022 (4)
Funding
Current Stage
Public CompanyTotal Funding
$10.44BKey Investors
26NorthBlackRockOak HC/FT
2026-07-27Post Ipo Debt· $900M
2026-06-15Post Ipo Debt· $800M
2026-04-24Post Ipo Debt· $800M
Leadership Team
Gal Krubiner
Chief Executive Officer
Evangelos Perros
Chief Financial Officer
Recent News
2026-07-30
2026-07-30
Company data provided by crunchbase