Gal Krubiner

Gal Krubiner is the Co-Founder and Chief Executive Officer of Pagaya, a financial technology company established in 2016. Under his leadership, Pagaya has leveraged artificial intelligence to transform the lending landscape by connecting banks and institutional investors with consumers seeking credit solutions.

Background and Experience

• Education: Gal holds a B.A. in Applied Science, Economics, and Statistics from Tel Aviv University.
• Career: Prior to founding Pagaya, he worked at UBS AG, focusing on structuring and distributing credit and asset-backed securities. He also held positions in investment management and entrepreneurship, contributing to his extensive experience in the finance sector.123

Achievements

• Recognition: In 2022, Gal was named one of the "Top 25 Financial Technology Leaders of New York" by The Financial Technology Report. He has also been recognized as an Entrepreneur Of The Year in 2024 for his contributions to the fintech industry.26
• Innovation: Gal's vision for Pagaya involves utilizing AI to enhance risk assessment and underwriting processes, thereby making financial products more accessible to consumers.35

Company Overview

Pagaya operates on a B2B2C model, partnering with lenders to improve their underwriting capabilities while providing institutional investors with opportunities to fund loans that might otherwise be unavailable. This dual approach aims to create a more efficient lending ecosystem.34

Gal Krubiner's leadership is characterized by a commitment to innovation and a long-term perspective on value creation, even amidst market challenges.3