Rajat Agarwal
About Rajat Agarwal
Rajat Agarwal is the Chief Credit Officer at Cleo AI in the San Francisco Bay Area, with a background in financial engineering and extensive experience in investment banking and marketplace lending.
Current Position at Cleo AI
Rajat Agarwal is the Chief Credit Officer at Cleo AI, based in the San Francisco Bay Area. As Chief Credit Officer, Rajat has significantly contributed to the company by achieving a tenfold growth in revenue over two and a half years. His focus on improving the product proposition and optimizing unit costs has been key to this success. Rajat has built strong partnerships with banks and other third parties, enabling the quick launch and scaling of a credit card product. He has also established best-in-class teams across several key areas, including acquisition, monetization, decision science, credit strategy, payments, fraud, and collections.
Previous Roles at LendingClub
Rajat Agarwal served as Vice President, Head of Investor Analytics and New Acquisition Funding Strategy at LendingClub in 2020 for 6 months in the San Francisco Bay Area. Prior to this, he was the Senior Director, Investor Group/Capital Markets from 2016 to 2020. In these roles, he was instrumental in developing analytics and strategies that helped drive investor relations and funding operations for the company.
Experience at Goldman Sachs
Rajat Agarwal worked at Goldman Sachs as Vice President and Co-head of FIG Strategist within the Investment Banking division from 2011 to 2016 in the Greater New York City Area. During his five years at Goldman Sachs, he specialized in financial institutions, contributing to diverse investment banking projects and strategies.
Educational Background
Rajat Agarwal holds a Master's Degree in Financial Engineering from the University of California, Berkeley, obtained from 2010 to 2011. He also earned a B.Tech in Electrical Engineering from the Indian Institute of Technology, Delhi, where he studied from 2003 to 2007. His academic background has equipped him with a strong foundation in both technical and financial disciplines.
Industry Contributions and Public Speaking
Rajat Agarwal is a well-regarded speaker at industry conferences, including ABS West, where he discusses trends in consumer credit, marketplace lending, and evolving regulatory frameworks. He has contributed to the SFIG Marketplace Lending Committee, helping to develop best practices in disclosure and reporting for marketplace lending securitizations. Additionally, Rajat has authored opinion pieces on alternative lending in leading media journals.