Pagaya Technologies (NASDAQ:PGY) is a financial technology company specializing in the development and deployment of artificial intelligence and machine learning solutions for institutional asset management. The firm’s core offering enables asset managers, banks and other financial institutions to enhance decision-making across credit markets by automating and optimizing underwriting processes. Pagaya’s AI models are trained on extensive alternative data sets, allowing clients to identify credit opportunities and manage portfolios with a higher degree of precision than traditional analytics.
The company’s platform supports a broad range of credit asset classes, including consumer loans, small business financing, auto loans and various specialty finance products. By leveraging proprietary machine-learning algorithms, Pagaya delivers insights into borrower behavior, risk characteristics and portfolio performance. Clients gain the ability to structure, scale and monitor credit investments more efficiently, while also accessing custom dashboards and reporting tools that facilitate rapid analysis of new and existing portfolios.
Founded in 2016 by a team of data scientists, engineers and finance professionals, Pagaya Technologies has rapidly expanded its footprint in North America and Europe. The company is headquartered in New York and maintains engineering and research offices across key technology hubs. Over the years, Pagaya has forged strategic partnerships with leading global asset managers and financial institutions, deploying its AI-driven approach across multi-billion dollar credit markets. This international reach underscores the company’s commitment to advancing digital transformation in the financial services sector.
Under the leadership of CEO Gal Krubiner, Pagaya emphasizes a culture of innovation, data integrity and regulatory compliance. The executive team includes seasoned experts in risk management, software engineering and capital markets operations. Pagaya’s board comprises industry veterans who guide the company’s strategic direction, ensuring that its technology remains at the forefront of AI-powered asset management. With a strong governance framework and a growing client base, Pagaya Technologies aims to redefine how credit markets operate through intelligent, data-driven solutions.
