Sajal Agarwal

Managing Director, Head of Credit, Data, and Strategy of Digital Banking Unit

Sajal Agarwal joined Jenius Bank, the consumer digital division of SMBC MANUBANK, in May 2021 as Head of Credit, Data, and Strategy. His background includes extensive experience managing various credit, fraud, consumer financial products, digital, and innovation functions. As a member of the bank’s Management Committee, Sajal oversees the consumer unsecured credit program for the digital bank, data strategy, and various business development activities including strategic partnerships.

Prior to joining the bank, he served as Chief Product and Risk Officer at Allegro Credit (part of Synchrony Financial Bank), a leading provider of point-of-sale consumer financing for audiology products, dental services, and musical instruments. While Head of Banking Risk at Social Finance Inc (SOFI), Sajal was responsible for managing risk across various consumer products such as credit cards, deposits, mortgages, and crypto products. He has also held senior management positions at Capital One and Wells Fargo.