Treasury Analyst

Who you are

• 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
• Experience navigating institutional KYC requests and legal entity structures
• 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)
• 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

What the job involves

• 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