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.