Hi, I'm Agraj — a product leader with 7+ years shipping credit card and pricing products that move the needle. I modernize legacy platforms into scalable cloud services, champion data-backed decisions, and apply AI tools to amplify team throughput. I also invest in AI & Robotics, and write about personal finance.
I'm a Sr. Product Associate at JP Morgan Chase focusing on Credit Card Pricing. Over 7+ years, I've shipped products that touched millions of cardholders — from the Chase Sapphire refresh and Amazon co-brand card to mainframe-to-cloud migrations that saved $750K in operating costs.
My background bridges Computer Science, Business Analytics, and Human Centered Interaction Design — letting me hold conversations equally well with engineers, designers, and C-suite stakeholders.
Outside fintech, I'm an AI & Robotics investor, a personal finance writer, and a photographer who finds stories in unexpected places. I believe the best products start with genuine human empathy and end with measurable business impact.
Harrisburg University of Science and Technology
Harrisburg, PA1% Club
Aug 2024Northeastern University · Concentration in Marketing
Boston, MADayalbagh Educational Institute · Minor in Electrical Eng.
Agra, India7+ years across fintech, enterprise tech, and defense — defined by impact at scale.
Making complex financial topics accessible — one post at a time.
Demystifying the number that shapes your financial life — from mortgage rates to apartment applications. A practical guide to understanding and improving your credit.
Backed by personal data from my own credit report. The truth might surprise you.
Building credit young sets you up for your first apartment, car loan, and much more.
The debate every credit card user faces. Here's a framework to decide what works for you.
Financial tools, guides, and curated resources built over years of personal research.
A curated breakdown of points, cashback, hotel, airline, and no-fee cards to help you find the right card for your goals.
Explore guide →Savings, checking, loans, and investment accounts — curated for people building their financial foundation.
View directory →Apps and services I personally use for travel, finance, and daily life — tested over years, not just affiliate links.
See the stack →My full professional background — from Computer Science in India to Product at JP Morgan and HCI graduate studies.
Read resume →Beyond the day job — the teams, ventures, and communities I collaborate with.
Whether it's a product collaboration, an investment discussion, or just a chat about credit scores — I'm always up for a good conversation.