Pagaya Technologies (PGY) investor relations material

Vision and mission

• Aims to create a networked platform enabling lenders to efficiently approve and fund more borrowers, especially those underserved by traditional systems.

• Focuses on providing AI-driven technology and funding solutions to lenders, not direct B2C lending.

• Seeks to embed credit as a service into lenders’ ecosystems, allowing seamless integration and improved access to credit.

• Envisions every U.S. lender using its platform to increase efficiency and reach.

• Mission is to standardize this technology across the industry, driving broad adoption.

Technology and differentiation

• Platform integrates directly with lenders’ origination systems for seamless customer experience.

• Utilizes advanced AI and machine learning to improve risk assessment and approval rates, leveraging a growing data network.

• Emphasizes operational robustness, AB testing, and quant-driven infrastructure for continuous improvement.

• Technology stack enables high scalability and minimal manual intervention, supporting operational leverage.

• Differentiation comes from deep integration, data-driven accuracy, and a unique B2B service model.

Partner ecosystem and onboarding

• Works with a range of partners, from fintech lenders to regional and major banks.

• Onboarding process involves system integration, legal setup, and tailored solutions, typically taking 6–12 months.

• Ramp-up can scale from millions to billions in loan volume as AI models learn and improve.

• Focuses on enabling partners to serve previously declined or underserved borrowers.

• Marketing and operational technology enhancements reduce friction and increase value for all stakeholders.