Management

Jonathan Dobres serves as Chief Financial Officer at Pagaya. He joined the company in 2021 as Head of Strategy and Corporate Development before becoming Chief Strategy Officer. He previously served in senior investment roles at Hudson Executive Capital, including as CFO of several Hudson-sponsored investment vehicles, Flexis Capital and P. Schoenfeld Asset Management. Mr. Dobres started his career as a bank regulatory and M&A lawyer at Sullivan & Cromwell and as a Vice President in technology investment banking at Bear Stearns & Co. Mr. Dobres majored in finance at Emory University where he graduated with distinction and received a JD with honors from Georgetown Law School.

Meryem serves as the Chief Compliance Officer (CCO) of Pagaya, where she oversees the company's compliance framework, ensuring adherence to all applicable laws, regulations, and industry standards. With over 20 years of experience in financial services, she brings deep experience in corporate and consumer compliance risk management and regulatory oversight. Meryem is a Certified Regulatory Compliance Manager, a testament to her extensive knowledge of compliance best practices. Before joining Pagaya, she spent 15 years at Bank of New York, where she held multiple senior leadership roles in Compliance. Most recently, she served as the Chief Consumer Compliance Officer, where she was responsible for enterprise-wide consumer compliance strategies, regulatory engagements, and risk mitigation initiatives.

Gaurav Nagla serves as Chief Product Officer at Pagaya Technologies, overseeing product, engineering, and information security. With over 25 years of experience across fintech, SaaS, and banking, he brings deep expertise in building and scaling innovative, customer-first products. Prior to joining Pagaya, he led product for consumer banking at Blend and held senior product roles at global financial institutions. An inventor on multiple U.S. patents, Mr. Nagla blends technical depth with strategic vision to drive product-led growth.

Terry O’Neil is Chief Commercial Officer at Pagaya, leading Pagaya's partnership and growth functions since his appointment in 2026. Mr. O’Neil brings over 25 years of strategic expertise in consumer financial services, specializing in payments, partnerships and consumer strategy. He most recently served as Managing Director leading Embedded Payments and Strategic Partnerships at Citi. Prior to this, O’Neil held several key leadership positions across his tenure at Citi, including Chief Marketing Officer for Citi Retail Services and Managing Director of Citi Branded Cards, where he launched award-winning digital products and revitalized major co-brand partnerships. Mr. O’Neil holds a Bachelor's degree in Commercial Banking & Finance from Hofstra University.

Balasubramanian "Panch" Panchanadeswaran is the Chief Operating Officer at Pagaya, where he has overseen global operations and strategy since 2026, following his role as Head of Commercial Operations and Strategy since joining in 2023. With over 40 years of global experience across startups, growth phases and turnarounds, Mr. Panchanadeswaran previously served as CFO for major institutions including Caliber Home Loans, Santander Bank N.A., Citi Mortgage and Citi Financial. Panch is an IIM Ahmedabad graduate, a CPA (India) and a New York City resident.

With decades of experience at the intersection of technology, strategy, and operations, Oren is Pagaya’s Chief Technology Officer, responsible for the research and technology teams at the Company. He previously led various research and development groups within Israel's defense establishment and later served as Head of the Strategic Planning Division for the IDF. He is also a graduate of the elite Talpiot Program, holds a PhD in Operations Research, and recently became a Senior Fellow at Harvard Kennedy School’s Belfer Center.