Pranav Agarwal

I have about 20 years of experience managing data in various aspects. I currently contribute to Data Risk governance at Citigroup, which is all about managing data quality across 1000s of legacy applications in a 200 year old bank across 93 geographies globally. Before that I was a fraud management and operations performance and analytics for North America cards, and spent seven years in various operational risk analytics at J.P. Morgan and 3 years as a data warehouse analyst for GE Money.

I publish various types of my writings & ramblings here. Ideas live in the Labs section. These are AI-builds that I usually play around with.

Notes Labs

Professional

All

19 Aug 2026AI can think. It still can’t shop.A post-mortem · agentic commerce

Personal

All

19 Jul 2025A letter to myself - The Unbearable Loss of the One Thing I HadI joked to my friend that I will write this, but then, for the first time in decades, I took myself seriously. And actually wrote it.

Labs

Work

2023 — present
Vice President, Business Risk Officer · Citi
Pune
Business risk, controls, and governance for the US consumer bank.
2017 — 2023
AVP, Fraud Business Performance & Analytics · Citi
Mumbai
North America cards: fraud strategy, total cost of fraud, and the trade between loss, operating expense, and customer impact.
2010 — 2017
Senior Business Process Specialist, Operational Risk Analytics · J.P. Morgan
Mumbai
Joined as an application developer. Later work in rules engines, customer-impact analysis, and collections and recovery controls.
2007 — 2010
Data analytics, GE Money · Satyam
Bhubaneswar
ETL and reporting on operational, quality, and commercial data.

Advanced Certificate in Business Analytics, SJMSOM, IIT Bombay · 2013
B.Tech, Information Technology, College of Engineering & Technology, Bhubaneswar · 2007