Treasury Analyst

Pagaya Investments; New York (NY); On-site; USD 90,000 - 120,000; Full time

Job summary

Pagaya Investments in New York City seeks a Treasury Analyst to manage daily capital deployment, funding workflows, and bank-related onboarding across ABS, forward flows, and investment funds.

You will coordinate with banks, servicers, and custodians, monitor liquidity, and ensure compliance with indentures and credit agreements, all while supporting data reconciliation and operational controls.

Qualifications

• 1–3 years in treasury operations, middle office, or settlement roles within financial services, fintech, or investment management.
• Proven ability to manage multi-entity funding workflows, bank portals, and daily settlement cutoffs with strict attention to detail.
• Solid working knowledge of Excel (SUMIFS, XLOOKUP, Pivot Tables).
• Ability to collaborate effectively with external counterparties (banks, servicers, trustees) and internal teams (Legal, Capital Markets, Finance).
• Experience navigating institutional KYC requests and legal entity structures.
• Structured Finance Exposure: Familiarity with ABS SPVs, trust accounts, loan tapes, or securitization mechanics.
• Data Skills: Familiarity with SQL or automated reconciliation tools for handling large financial datasets.

Responsibilities

• Own the operational execution of multi-deal capital movements and deal onboarding.
• Lead end-to-end onboarding of bank and trust accounts for new deal structures.
• Serve as primary liaison for external banking partners, servicers, and custodians.
• Track liquidity across SPVs, warehouses, and investment funds.
• Monitor concentration limits and covenants in asset allocation.
• Perform daily reconciliations of accounts and transactions.
• Identify and implement improvements to treasury workflows and controls.

Skills

Treasury ops

Funding workflows

Excel proficiency

Bank coordination

KYC/AML

Structured finance

SQL

Tools

Excel

SQL

Job description

• Pagaya is seeking a Treasury Analyst to join our team in NYC. Treasury at Pagaya is a core team responsible for managing daily capital deployment, infrastructure, and funding workflows across our investment vehicles, including ABS, forward flows, and investment funds
• In this role, you will own the operational execution of multi-deal capital movements, deal onboarding, and account setups while serving as a primary operational liaison for external banking partners, loan servicers, and custodians
• You will track liquidity across complex SPV networks, ensure assets meet concentration limits, and lead daily data reconciliations to ensure operational integrity across high-velocity financial flows. This position offers direct, hands‑on exposure to structured finance mechanics, capital markets execution, and partner operations
• Funding & Capital Deployment: Coordinate and manage concurrent loan purchases across multiple deal structures and diverse loan origination and servicer networks, ensuring seamless daily execution
• Liquidity: Monitor real-time cash balances, facility draw capacities, and liquidity positioning across dozens of SPVs, warehouse facilities, and investment funds
• Concentration Limit & Covenant Monitoring: Track portfolio concentration limits, borrowing base parameters, and eligibility criteria during asset allocation to ensure strict compliance with deal indentures and credit agreements
• New Deal Onboarding & Account Setup: Lead the end‑to‑end operational setup of bank and trust accounts for new deal structures, managing entitlements, portal configurations, and onboarding checklists
• Partner Operations: Act as a main operational point of contact for external originators, loan servicers, custodians, and banking institutions to coordinate daily cash flows and resolve operational exceptions
• KYC: Own institutional KYC/AML documentation packages, periodic account reviews, and legal entity updates across banking and lending relationships
• Data Reconciliation & Reporting: Perform daily account and transaction‑level reconciliations; analyze loan tapes and servicer data to identify and resolve cash or reporting discrepancies
• Operational Controls: Identify friction points in daily treasury workflows and implement updated procedures, controls, and reporting templates

• 1–3 years in treasury operations, middle office, or settlement roles within financial services, fintech, or investment management
• Proven ability to manage multi‑entity funding workflows, bank portals, and daily settlement cutoffs with strict attention to detail
• Solid working knowledge of Excel (SUMIFS, XLOOKUP, Pivot Tables)
• Ability to collaborate effectively with external counterparties (banks, servicers, trustees) and internal teams (Legal, Capital Markets, Finance)
• Experience navigating institutional KYC requests and legal entity structures
• Structured Finance Exposure: Familiarity with ABS SPVs, trust accounts, loan tapes, or securitization mechanics
• Data Skills: Familiarity with SQL or automated reconciliation tools for handling large financial datasets