Pagaya

Pagaya is a global financial technology company that specializes in AI-driven lending solutions. The company aims to improve access to credit and capital through data-driven decision-making. Pagaya utilizes advanced machine learning and proprietary AI technology to offer consumer credit and residential real estate financing solutions for its partners, customers, and investors. The company operates an AI network that evaluates approximately one application per second, using millions of data points to provide accurate credit risk assessments. This network allows lending partners, including banks and fintech firms, to expand their loan originations without taking on additional risk. Pagaya's offerings include AI-powered credit models, risk assessment tools, capital solutions with API integration, and financing options for residential real estate and auto loans. Headquartered in New York with offices in Tel Aviv, Pagaya employs over 600 people and has been recognized as a leading fintech company in 2023 and 2024. Its leadership team includes co-founders Gal Krubiner, Avital Pardo, Yahav Yulzari, and Sanjiv Das.