Pagaya Auto Finance: Partnership Overview & Product Update
Date & Time
Oct 26, 2026
2:00 PM
2:00 PM
About the Webinar
2:00 PM - 3:00 PM ET
PRESENTERS:
Terry O'Neil, Chief Commercial Officer, Pagaya
- Gaurav Nagla, Chief Product Officer, Pagaya
Robert McDonald, Head of Credit Solutions, Pagaya
ABOUT THE WEBINAR:
Join Pagaya leaders to discover how banks, captives and auto lenders can drive scalable origination growth without incremental credit risk through Pagaya’s AI-powered auto financing network. This session demonstrates how direct API integrations expand approval rates, optimize loan amounts and monetize second-look volume within existing loan systems.
Featuring Pagaya’s latest dealer-experience innovation, Rehash, attendees will see how real-time deal restructuring, automated alternative offers and FastPass stipulation bypasses resolve payment discrepancies in under three seconds—helping lenders win more deals, improve F&I satisfaction, and unlock sustainable, fee-based revenue.
THIS WEBINAR WILL COVER:
- Pagaya AI Network Overview & Integration: How Pagaya embeds directly into existing loan operating systems via API to evaluate applications and drive capital-efficient origination growth.
- Dealer Experience & Approval Expansion: Strategies to expand approval rates and increase loan amounts using FastPass.
- Introducing Rehash: Live walkthrough of automated, AI-driven deal restructuring tools that deliver instant alternative deal structures (<3 sec latency) to save lost deals at the dealer desk.
TOP 3 BENEFITS TO ATTENDEES:
- Risk-Free Revenue & Scale: Learn how auto lenders gain fee-based income (acquisition & servicing fees) while Pagaya funds origination growth with institutional capital and zero lender credit risk.
- Reduced Friction at the Dealer Desk: Discover how AI-driven stipulation exemptions (FastPass) and real-time deal restructuring (Rehash) eliminate manual work and accelerate funding.
- Higher Conversion & Market Capture: Understand how dual-look frameworks and predictive pre-qualification help convert up to 35% of declined near-prime/subprime applications into funded contracts.
Terry O'Neil
Chief Commercial Officer, Pagaya
Terry O’Neil is Chief Commercial Officer at Pagaya, leading Pagaya's partnership and growth functions since his appointment in 2026.
Prior to joining Pagaya, Mr. O’Neil spent over 25 years at Citi, where he most recently served as Managing Director and member of the U.S. Personal Banking Strategic Operating Team, leading Embedded Payments and Strategic Partnerships. Throughout his career, Mr. O’Neil has built, launched and scaled industry-leading consumer financial products, point-of-sale payment and lending capabilities, forged partnerships and developed customer engagement platforms that drove value, advocacy and earnings.
During his tenure with Citi, Mr. O’Neil also served as Chief Marketing Officer for Citi Retail Services directing revenue generating initiatives for the division. His work on their digital consumer health care wallet was recognized by American Banker as a Top Innovator and received an Edison Award for innovation in payments.
With over 20 years of experience in consumer financial services—specializing in payments, product management, marketing, partnerships and consumer strategy—Mr. O’Neil has also held leadership positions at Visa, PNC Bank and Household Credit Services.
Mr. O’Neil holds a Bachelor's degree in Commercial Banking & Finance from Hofstra University and lives in New York City with his wife and three dogs.
Gaurav Nagla
Chief Product Officer, Pagaya
Gaurav Nagla is the Chief Product Officer at Pagaya, a financial technology company that utilizes an artificial intelligence network to help financial institutions expand consumer access to financial products. In this role, Gaurav oversees the product strategy and development of Pagaya’s AI-driven platform, which focuses on credit underwriting and expanding lending opportunities for partners.
Gaurav is a seasoned product leader with extensive experience in the financial services and fintech sectors. Before joining Pagaya in July 2025, he served as the Head of Product for Consumer Banking at Blend, where he led product initiatives from 2019 to 2025. His career also includes senior leadership roles at major financial institutions, including serving as Head of Product at both Scotiabank and Royal Bank of Canada.
Gaurav is a seasoned product leader with extensive experience in the financial services and fintech sectors. Before joining Pagaya in July 2025, he served as the Head of Product for Consumer Banking at Blend, where he led product initiatives from 2019 to 2025. His career also includes senior leadership roles at major financial institutions, including serving as Head of Product at both Scotiabank and Royal Bank of Canada.
An entrepreneur at heart, Gaurav co-founded DRIVE, a company focused on enhancing the car ownership experience. His background combines deep technical expertise with business strategy, having begun his career with a foundation in engineering.
Gaurav holds an MBA from the Rotman School of Management at the University of Toronto and a Bachelor of Engineering in Electrical, Electronics, and Communications Engineering from Punjab Engineering College. Gaurav is a holder of multiple U.S. patents for decentralized credit scoring platforms, secure financial transaction systems, and intelligent vehicular data networks. He is recognized as a thought leader in the industry, contributing to discussions on leadership, lending, and the evolving fintech landscape.
Robert McDonald
Head of Credit Solutions, Pagaya
Robert McDonald is Managing Director, Head of Credit Solutions at Pagaya. In this role, he leads the company’s auto finance business while also overseeing business development and strategy across all consumer credit verticals, including personal loans, auto loans, and point-of-sale financing.
With more than 25 years of industry experience, Robert has deployed over $15 billion across numerous transactions in the transportation and mobility sector. He joined Pagaya in 2020, bringing deep expertise in structured finance and credit markets.
Prior to Pagaya, Robert spent 16 years at Goldman Sachs, where he served as Head of the Auto & Equipment Structured Finance business. Following his tenure at Goldman, he founded The Morgan McDonald Group, advising financial services and transportation companies on business strategy, development and capital markets execution.
Robert holds graduate degrees from both the University of Pennsylvania’s Wharton School of Business (MBA) and the University of Michigan (MSE in Financial Engineering and MS in Applied Mathematics). He earned his undergraduate degree in Mathematics from Morehouse College, where he graduated Phi Beta Kappa.
He resides in New Jersey with his wife and three children.
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