Rajat Agarwal

CEO

San Francisco, California, United States17 yrs 8 mos experience

Highly Stable

Key Highlights

Expert in developing structured financial products.
Strong leadership in credit underwriting and pricing strategies.
Passionate speaker on consumer credit trends.

Stackforce AI infers this person is a Fintech expert with a focus on consumer credit and structured finance.

Contact

rajat@gynger.io LinkedIn

Skills

Other Skills

BankingBloombergCC++Capital MarketsCredit DerivativesDerivativesEquitiesEquity DerivativesEquity ResearchFX OptionsFinancial ModelingFinancial StructuringFixed IncomeForeign Exchange (FX) Options

About

Fintech | Scaling Subscription Business | Consumer Credit and Payment Products | Product Market Fit Discovery | Managing Growth and Profitability | Bank Partnership | Credit Underwriting & Strategy | Credit Marketplace | Pricing Strategies Capital Markets | Debt Funding and Warehouse | Structured Products (ABS) | Portfolio Management Passionate about building innovative consumer financial products. Speaker - ABS West and other leading conferences on trends in consumer credit, marketplace lending and evolving regulatory framework. Contributor to SFIG Marketplace Lending Committee, responsible for development of best practices in disclosure and reporting in marketplace lending securitizations. Contributed opinion pieces in leading media journals on alternative lending

Experience

Gynger

Chief Credit Officer

Mar 2025 – Present · 1 yr · San Francisco Bay Area

Cleo ai

Chief Credit Officer

Sep 2020 – Mar 2025 · 4 yrs 6 mos · San Francisco Bay Area

Cleo is an AI based financial Assistant whose mission to improve the relationship of people with money by offering coaching, advice and products that inculcate good financial habits

Lendingclub

2 roles

Vice President, Head of Investor Analytics and New Acquisition Funding Strategy

Mar 2020 – Sep 2020 · 6 mos · San Francisco Bay Area

Senior Director, Investor Group / Capital Markets

Oct 2016 – Feb 2020 · 3 yrs 4 mos · San Francisco Bay Area

Member of the leadership team
Member of Lending Club's Pricing Committee and Credit Risk Committee
Developing structured capital markets products, managing rating agency process
ABS deal roadshows
Transactional experience in loan sales (whole loans / ABS / other structured products)
Managing client portfolios worth billions of dollars
Relative value analysis for consumer loans
Credit underwriting and pricing strategy
Leading credit calls with institutional investors, hedge funds, banks, underwriters and rating agencies
Optimizing / negotiating financing and warehouse lines

Goldman sachs

Vice President, Co-head of FIG Strategist, Investment Banking

Apr 2011 – Oct 2016 · 5 yrs 6 mos · New York City Metropolitan Area

Co-head of Financial Institutions Group (FIG) Quantitative Strategy
Structuring financial products for FIG clients
Balance sheet optimization including asset / liability restructuring
Investment / hedging strategies in multi-asset (fixed income, equity and FX) space
Advising bank CEOs / treasurers, insurance companies and asset managers on asset acquisition and sales
Led advisory practice for regional banks on stress test and credit risk modeling of consumer loans, commercial loans, credit cards, auto loans and other assets

Deutsche bank

Senior Analyst - Rates Trading

Jun 2007 – Mar 2010 · 2 yrs 9 mos · Mumbai, India

Proposed and implemented relative value trading strategies such as steepners/flatteners, butterfly, condor, and starfish based on interest rate derivatives.
Implemented executable pricing tools for amortized swaps, capfloors and swaptions with automated term sheet generation for retail clients.
Implemented real time rich cheap analysis framework for Asian government bonds based on YTM & asset swap spreads.
Developed a cross market time series analysis platform to perform correlation, regression, PCA, spread and seasonality study across rates, equities, FX and commodities.

Morgan stanley

Summer Analyst - Prime Brokerage

May 2006 – Jul 2006 · 2 mos · Mumbai, India

Designed a metadata migration tool using Java to migrate changes in database schema and content from development to UAT and production environments. The tool resulted in automation and speeding up of entire migration process.