Robert McDonald is the Managing Director, Head of Credit Solutions at PAGAYA, a financial technology company leveraging advances in machine learning and artificial intelligence to help consumer credit originators capture more consumers in their ecosystem. Robert is responsible for managing the business relationship between Pagaya and its partners across all consumer credit products; including, unsecured personal loans, auto finance, credit cards and point-of-sale financing. He brings over 20 years of extensive finance experience to Pagaya, having spent 10+ years as the Head of Auto and Equipment-Structured Finance business during his 16-year-career at Goldman Sachs & Co. While at Goldman, Robert sourced and executed over $50 billion in principal, lending, and financing transactions. Robert holds an MBA in Entrepreneurial Management from The Wharton School, an MS in Applied Mathematics and an MSE in Financial Engineering from the University of Michigan, and a BS in Mathematics from Morehouse College. Robert and his wife reside in Maplewood, NJ, with their three kids.