Management

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.

Ralph has over 25 years of leadership experience in technology, fintech and financial services companies and joined Pagaya as its Chief Operating Officer and Chief Commercial Officer in 2024. Prior to joining Pagaya, Ralph was a four-time CFO at various venture capital or private equity-backed companies, most recently at Achieve, a leading private consumer fintech company focused on digital personal finance. There, he oversaw all aspects of the company’s finance and capital markets functions and helped reignite growth and profitability post-pandemic and drove the company’s multi-year digital transformation program. He was a former senior investment banker at Morgan Stanley advising technology and fintech clients on strategic M&A, equity and debt transactions.

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.

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.