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Software Architect, Core Banking Integrations

New York, NY

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 is a global technology company making life-changing financial products and services available to more people nationwide, as it reshapes the financial services ecosystem. By using machine learning, a vast data network and a sophisticated AI-driven approach, Pagaya provides comprehensive consumer credit and residential real estate solutions for its partners, their customers, and investors. Its proprietary API and capital solutions integrate into its network of partners to deliver seamless user experiences and greater access to the mainstream economy. Pagaya has offices in New York and Tel Aviv. For more information, visit pagaya.com.

Let's create better outcomes together!

Overview:

Pagaya is hiring a Software Architect, Core Banking Integrations. In this role, you will be the visionary architect who designs and builds our In-House Integration Engine. Your goal is to transform a high-friction, "custom build" into a streamlined, automated, "plug-and-play" partnership model. You will make our service invisible, automated, and indispensable to the lender’s systems. Banks and lending partners operate on fragmented, legacy Servicing/LOS environments that don’t support servicing for others, break when loans are sold or transferred, and rely on manual reconciliation across servicing, accounting, and data systems. In many cases, these systems depend more on institutional knowledge than actual design.

You will operate as a hands-on architect, defining how Pagaya integrates into real-world bank environments - working across servicing, accounting, and data systems to turn fragmented, partner-specific builds into scalable infrastructure.

Core Responsibilities

Architecture & Solution Design

  • Design the blueprint for our Standardized Integration Layer that can "talk" to legacy cores (FIS ALS, Hogan, Jack Henry) and LOS/Loan Servicing systems.
  • Build the logic for Automated Money Movement and General Ledger (GL) Synchronization, ensuring our service triggers the correct accounting entries in the bank’s system without manual intervention.

Productization of Connectivity

  • Move us away from "one-off" custom coding. Develop a library of Re-usable Data Schemas and API Wrappers that map legacy bank data into our modern environment.
  • Design the Reconciliation Engine that automatically validates file handoffs between our system, the Bank’s Data Lake, and third parties.

Strategic "Bilingual" Leadership

  • Act as the primary technical bridge between our Engineering team and the Bank’s IT teams.
  • Conduct "Technical Discovery" with new lender clients to identify gaps in their system setups and provide them with the "Solution Blueprint" they need to implement to work with us.

Operational Automation

  • Design automated workflows for complex lending lifecycle events: Account Buybacks, Holdbacks, Charge-offs, and Tertiary Collections.
  • Ensure all designs meet "Bank Grade" compliance, including BCP (Business Continuity), Fraud monitoring.

Basic Qualifications

  • 10+ years of experience in lending (Personal Loans) working directly with (or integrating into) FIS ALS, Fiserv, or Hogan, large bank systems. You must understand how loan accounting modules actually work.
  • The Integration "Toolbelt": Expert knowledge of ETL patterns, API Gateway design, and Message Queuing. You know how to get data out of a mainframe and into a modern Snowflake/Data Lake.
  • Lending Domain Mastery: You don't just know the tech; you know the business. You understand Servicing for Others (SFO), Investor Reporting, and General Ledger movement.
  • Problem Solving: You have a track record of taking a "hard-coded, messy" environment and building a clean, abstracted layer on top of it.

Preferred Qualifications

  • Experience with servicing for others / subservicing models
  • Exposure to loan sales, secondary market, or loan transfers
  • Experience designing or supporting reconciliation across systems
  • Hands-on work with data mapping, data gaps, or reporting layers
  • Experience working in or modernizing legacy / hard-coded systems
  • Background in platform, infrastructure, or system implementation roles
  • Experience translating real-world constraints into scalable system design

Why this role is interesting

You aren't just maintaining a system; you are building a Competitive Advantage. By reducing the "Tax of Integration" for our lender clients, you are directly responsible for how fast this company scales. 

  • Work directly with the CPO, our lending partners, and senior functional leads on foundational architecture
  • Define how a modern lending infrastructure layer actually works
  • High ownership with significant scope expansion potential

Our Team

Pagaya was founded in 2016 by seasoned research, finance, and technology entrepreneurs with our head quarters located in NYC and Tel Aviv. 

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

  • Continuously Learn- We challenge ourselves for the sake of getting better as individuals, as teams, and as an organization to deliver for our partners.
  • Debate and Commit- We respectfully and openly debate to strengthen our ideas and build shared conviction - once we decide, we go all in, together.
  • Dream Big and Act- We boldly tackle complex problems, pressure-test solutions in real-time, and adapt with speed and energy.
  • Advance Inclusion- We create a world where everyone can win, designing systems that better represent people and generate sustainable value for our employees, partners and investors.
  • Be Accountable Together- We proudly own our actions and our results, taking initiative to ensure our work gets over the finish line as a team.

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. 

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