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Dhruv AgrawalDA
Open to opportunities

Dhruv Agrawal

@dhruvagrawal

I build robust AI and fintech products that turn complex risk, compliance, and credit data into business impact.

United States
Message

What I'm looking for

I'm looking to build robust, scalable AI products that move from experimentation to essential infrastructure, especially where risk, compliance, financial systems, and real-world reliability matter.

At Capital One, I lead strategy for an agentic AI build-failure analysis tool that improves debugging while balancing accuracy and latency, and I grew user engagement 25% through a customer-informed roadmap. Previously at EXL, I built ML-powered fraud detection and generative AI compliance platforms for global financial institutions.

I've also built ML credit-decisioning products at DMI Finance, increasing loan applications 6x, and co-founded Cread, scaling its social e-commerce platform to 1K+ daily active users and $150K ARR. I focus on making advanced AI resilient, aligned, and useful under real-world regulatory, privacy, and financial constraints.

Experience

Work history, roles, and key accomplishments

Capital One logoCO
Current

Senior AI Product Manager

Aug 2025 - Present (1 year)

Led product strategy and execution functions, leveraging market analysis, stakeholder alignment, and technology integration to deliver scalable, high-impact AI products.
▪ Unlocked $xxM in yearly P&L impact by leading team in building Agentic AI build-failure analysis tool (comprised of diagnostic, solution, safety, and synthesis agents) to improve debugging while navigating accuracy-latency trade

EXL logoEX

Senior AI Product Manager

Aug 2020 - Aug 2024 (4 years)

Fintech & Trust and Safety role: Spearheaded end-to-end product strategy and execution for two global financial institution clients with $2.4T and $550B in assets, leveraging data insights and cross-functional leadership to deliver innovative products that fueled business growth.
▪ Developed real-time streaming data lakehouse, leveraging ML for fraud detection on a $350B+ loan book, achieving a $x

DMI Finance Private Limited logoDL

AI Product Manager

Aug 2018 - Aug 2019 (1 year)

Drove innovation in credit products through AI and predictive analytics, managing risk frameworks and product lifecycle to support strategic growth objectives for the emerging market fintech with $800M+ fundraise.
▪ Built and scaled an ML-driven auto-decisioning engine for credit products, driving a 6x increase in loan applications and delivering $xM+ annual P&L growth on a $1B portfolio.
▪ Improv

Cread logoCR

Co-Founder, Head of AI Product

Aug 2016 - Aug 2018 (2 years)

Founded and led a social e-commerce platform (Instagram + Vistaprint) for emerging markets, driving product strategy, product design, feature launches, user experience design, and go-to-market execution to grow engagement and revenue.
▪ Led platform from startup through launch, securing over 1K daily active users (DAU) and $150K in annual recurring revenue (ARR), achieving break-even performance w

Education

Degrees, certifications, and relevant coursework

SU

Stanford University

BS honors, Math & Computer Science with Economics minor

Coursework in Programming Abstractions, Programming Paradigms, Object Oriented Systems Design, Algorithms, and Complexity theory.

PU

Princeton University

Master in Finance

One of 25 students in the #1 ranked finance program in the world
Coursework in asset pricing, financial engineering, corporate finance, macroeconomics, negotiation, and public policy

SB

Stanford University Graduate School of Business

PA

Product Manager Accelerator

Product Management Certificate

Training on more advanced PM topics culminating in certification.

Program coursework included but was not limited to:
• Product Roadmaps
• Customer Interviews
• Product Requirement Documentation
• A/B testing
• Go-To-Market Strategies
• Systems Design
• Agile Development Process

QT

Quantic School of Business and Technology

Master of Business Administration - MBA

Highly selective tuition-free online MBA program (~7% acceptance rate). Aligned with MBA programs at the world's leading business schools, Quantic flips traditional lecture-based instruction with active, individualized lessons available on any device. The rigorous curriculum includes 600 lessons and comprises courses across business disciplines: Business Foundations, Accounting, Markets & Economi

WU

WorldQuant University

Master of Science - MSc, Financial Engineering

Tuition free selective online program offered by an international non-profit founded by the CEO of WorldQuant, LLC. Coursework in Econometrics, Stochastic Calculus, Computational Finance, Machine Learning, Data Feeds and Technology, and Capstone Project.

Projects:
G10 currency pairs trading strategy
• Used an ensemble of machine learning techniques like Random Forest, SVM, Logistic regression, an

TB

The University of Chicago Booth School of Business

Capital Markets

SU

Stanford University

Bachelor of Science, Math & Computer Science

Grade: honors

BS honors in Math & Computer Science with Economics minor. Coursework in Programming Abstractions, Programming Paradigms, Object Oriented Systems Design, Algorithms, and Complexity theory.

QT

Quantic School of Business and Technology

Master of Business Administration, Business Administration

MBA from a highly selective tuition-free online program with rigorous curriculum across business disciplines.

WU

WorldQuant University

Master of Science, Financial Engineering

MSc in Financial Engineering with coursework in econometrics, stochastic calculus, computational finance, machine learning, and data feeds.

TB

The University of Chicago Booth School of Business

Capital Markets

Capital Markets program at the University of Chicago Booth School of Business.

Tech stack

Software and tools used professionally

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