## **About Pagaya**
**Shape the Future of Finance**
**Pagaya is building a leading artificial intelligence network to help our
partners grow their businesses and better serve their customers.**
Pagaya powers a leading artificial intelligence network that enables banks,
fintechs, merchants, lenders, and other B2C businesses to provide their
customers with greater access to financial services. We help partners grow
their customer base while managing risk, all with a seamless customer
experience.
Pagaya’s network enables our partners’ customers access to credit across Auto,
Credit Card, Personal loans, and Point of Sale markets. We are also developing
products in insurance, real estate, and more. Our network is fully automated
and operating at scale - with the support of the Pagaya network, our partners
have processed millions of applications, with a new application typically
analyzed every second.
**Let's create better outcomes together!**
**About the Role**
As a Structured Products Counsel (title dependent on seniority), you will
provide the highest quality support to all parts of the business with a
particular focus on all capital markets, securitization and trading
transactions. We are looking for a smart, motivated, self-starter to join our
growing global legal team in a rapidly growing company.
The ideal candidate is a business-minded lawyer who is focused on deal
execution and prepared to act on structuring transactions, while collaborating
with our Capital Markets, Partnerships, Technology and other teams within the
company.
To be successful in our Structured Products Counsel (title dependent on
seniority), we’re looking for someone who is passionate about deals and
business growth. We want a candidate who is excited by the challenge of
working in a legally complex global fintech company and who welcomes the
dynamic environment that comes with a growing company. This role will engage
with all levels of employees and management, so social and communication
skills are vital to strong working relationships.
The role reports to the Deputy General Counsel (based in New York) responsible
for structured products and will be located in New York.
**Responsibilities**
* Act as counsel on all securitization, structured products and capital markets transactions
* Negotiate and draft transaction and trading based agreements and documents
* Analyze and structure complex capital markets transactions
* Serve as the internal expert on all capital markets transactions and questions
* Assist with drafting and negotiating commercial agreements, providing insight and guidance from a regulatory perspective
* Stay on top of regulatory developments for structuring and terms of capital markets transactions, and advise management on new risks and opportunities
* Assist the Deputy General Counsel and broader legal team in building a global legal department, developing and enhancing its service culture and meeting the needs of the business
* Provide any other legal or non-legal support that the business requires, particularly when no active deals
**Requirements**
* Qualified attorney in the United States (preferably NY or CA)
* 6+ years experience in US law firm and/or in-house, though right candidate could have significantly more experience
* Significant experience with securitizations, capital markets trading, credit agreements and other sophisticated finance transactions focusing on multiple consumer credit assets classes (unsecured consumer loans, auto loans, mortgages, real estate, point-of-sale, insurance)
* Expertise in the structured finance industry and U.S. and international securities laws applicable to capital markets and securitization transactions, including Regulation AB, Securities Act and Securities Exchange Act
* Native/Fluent English (written and spoken)
* Excellent drafting of contracts and advice with minimal support from external counsel
* The ability and flexibility to work long and flexible hours based on the company’s needs
* Excellent judgment and initiative in developing creative, practical and effective solutions, using a business-first approach
* JD or LLM from accredited US law school is preferred
* Experience in one or more of the following areas is a plus:
* Consumer credit, asset management, investment, funds, fintech or artificial intelligence
* Insurance or reinsurance
* Residential/commercial real estate or mortgages
* US consumer credit/lending legal and regulatory regimes, including FCRA, GLBA, TILA, DPPA, UDAAP, UDAP, ECOA, HMDA and RESPA
**Our Team**
Pagaya was founded in 2016 by seasoned research, finance, and technology
entrepreneurs with our head quarters located in NYC, Tel Aviv, Boston, and
Zurich.
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.
**Join a team of builders who are working every day to enable better outcomes
for our partners and their customers.**
**Our Values**
Our values are at the heart of everything we do. We believe great solutions
are built through a great community.
* **Continuous Learning** : It’s okay to not know something yet, but have the desire to grow and improve.
* **Win for all:** We exist to make sure all participants in the system win, which in turn helps Pagaya win.
* **Debate and commit:** Share openly, question respectfully, and once a decision is made, commit to it fully.
* **The Pagaya way:** Break systems down to their most foundational element, and rebuild them unique to Pagaya.
**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.
Posted
Updated
Closed
Practice Areas
Banking, Corporate
Specialties
Capital Markets, Compliance/Regulatory, Cross-Border, Finance, Investment Management, Lending, Real Estate, Secured Finance, Securities, Structured Finance, Unsecured Finance