Pagaya Technologies appointed former Citi Managing Director Terry O'Neil as Chief Commercial Officer.

O'Neil will lead partnership and growth functions to scale commercial operations. His mandate includes increasing the adoption of AI-driven products among lending partners.

O'Neil previously led Embedded Payments and Strategic Partnerships at Citi. He brings more than 20 years of experience in consumer financial services.

President Sanjiv Das cited O'Neil’s expertise in banking and payments as key to the company's next growth phase and ecosystem integration.