Founder Intelligence

Gal Krubiner

The financial system has vast amounts of capital and credit demand. AI acts as the matching engine, optimizing credit allocation across banking networks.

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Role
Chief Executive Officer & Co-Founder
Company
Pagaya
Country
United States
Company founded
2016
AI in Finance
Automation Financial Intelligence Fraud Detection Identity Intelligence Machine Learning Predictive Analytics Credit Underwriting

Known for

Pagaya provides enterprise-grade artificial intelligence solutions, delivering specialized Pagaya Platform technology designed to optimize mission-critical workflows…

Ecosystem Connection Map

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Gal Krubiner Founder

Overview

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Gal Krubiner is an Israeli financial technology entrepreneur and executive who serves as Chief Executive Officer of Pagaya. Krubiner co-founded Pagaya in 2016 with Yahav Yulzari and Avital Pardo, building an AI-powered financial network that matches consumer loan demand with global institutional capital.

Why it matters

Krubiner connected predictive machine learning with global capital markets, enabling real-time algorithmic securitization and expanded credit access for millions of borrowers.

Editorial insight

Krubiner built a structurally different model for AI lending than a direct lender: Pagaya's network lets partner lenders approve more of their existing applicant pool without expanding their own balance-sheet exposure, a distinct approach from underwriting-software vendors that leave both the decision and the resulting risk with the lender.

Career & Timeline

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Background in Structured Credit & Trading

Krubiner earned his degree in applied mathematics and economics from Tel Aviv University. He spent years in investment banking structuring complex asset-backed securities (ABS) and derivative portfolios at UBS before identifying that consumer credit markets were constrained by legacy underwriting scorecards.

  • Company founded 2016 · founded Pagaya was founded in 2016 per the company profile source on file. Source
  • March 20, 2016: Pagaya Technologies is incorporated in Israel by Gal Krubiner, Avital Pardo, and Yahav Yulzari. 2016 · development Source
  • Funding 2020 · funding June 2020: Pagaya raises a $102 million Series D round. Source
  • Partnership 2021 · partnership October 2021: Pagaya announces a partnership with SoFi, which the companies described at the time as Pagaya's biggest deployment of its technology… Source
  • Acquisition 2021 · acquisition September 2021: Pagaya announces a merger with EJF Acquisition Corp., a special purpose acquisition company, valuing Pagaya at approximately $8.5 billion. Source
  • June 2022: The merger closes and Pagaya begins trading on the Nasdaq under ticker PGY. 2022 · development Source
  • Partnership 2023 · partnership September 2023: Pagaya announces a partnership with Westlake Financial to expand its auto-lending product; further auto partnerships, including with Exeter Finance in… Source
  • By its 2024 fiscal year, Pagaya reports its network has processed more than $3.6 trillion in loan applications since inception, per its… 2024 · development Source

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Industries

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Ecosystem

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Partnerships

  • October 2021: Pagaya announces a partnership with SoFi, which the companies described at the time as Pagaya's biggest deployment of its technology in the fintech marketplace to date.
  • September 2023: Pagaya announces a partnership with Westlake Financial to expand its auto-lending product; further auto partnerships, including with Exeter Finance in December 2023, follow.

Acquisitions

  • September 2021: Pagaya announces a merger with EJF Acquisition Corp., a special purpose acquisition company, valuing Pagaya at approximately $8.5 billion.
  • June 2022: The merger closes and Pagaya begins trading on the Nasdaq under ticker PGY.

Funding

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  • June 2020: Pagaya raises a $102 million Series D round.

Latest Developments

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  • By its 2024 fiscal year, Pagaya reports its network has processed more than $3.6 trillion in loan applications since inception, per its own SEC filings. Latest
  • Development 2016 · development Source

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FAQ

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Who is Gal Krubiner?

Gal Krubiner is an Israeli financial technology executive and entrepreneur serving as Chief Executive Officer and co-founder of Pagaya, the global AI network for institutional credit and capital markets.

What did Gal Krubiner do before founding Pagaya?

Krubiner worked in structured credit, financial structuring, and cross-asset trading at UBS and other institutional investment banks in London and Tel Aviv.

Where did Gal Krubiner study?

Krubiner graduated with a B.A. in Applied Mathematics and Economics from Tel Aviv University.

Sources & Verification

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Last reviewed Aug 2026

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