Pagaya
Credit Risk Manager, Auto Finance
USA
Sponsorship not specifiedDetected 13 days ago
Machine LearningResearchCommunicationCollaborationProblem SolvingMentoringOrganizational SkillsUnderwriting
About the role
- This role is critical to delivering a best-in-class dealer experience by enabling fast, informed credit and funding decisions while protecting portfolio performance.
- This individual holds defined lending and funding authority to approve exceptions, waivers, and deal adjustments without reliance on centralized queues, ensuring speed to decision in high-volume environments.
- This is a highly visible, hands-on role central to the success and long-term performance of the Pagaya-Ally auto partnership.
Responsibilities
- Track and evaluate the performance of loans approved with exceptions or waivers to validate risk outcomes and inform future credit policy
- 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
Requirements
- 7+ years of experience in auto finance credit, underwriting, risk management, or funding operations
- 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
- Provide real-time direction on deal restructuring required to generate approvals or improved pricing
Nice to have
- Data analytic skills highly preferred, including AI focused integration and market data platform experience
Skills
- Provide market level intelligence utilizing JD Power PIN and similar marketplace driver reporting tools
This listing is sourced directly from Pagaya's careers page and normalized into a canonical job model.