Sr. Product Associate · JP Morgan Chase

Product at the intersection of data, design, and delivery.

Hi, I'm Agraj — a product leader with 7+ years shipping credit card and pricing products that move the needle. I modernize legacy platforms, champion data-backed decisions, invest in AI & Robotics, and write about personal finance.

Agraj Kulshrestha
Agraj Kulshrestha
Sr. Product Associate · Greater Boston

7+
Years in product
20M+
Customers impacted
€50M+
Product portfolio value managed
2
Successful ventures delivered
100+
Individuals advised on credit strategy

Building products that move the needle.

7+ years across fintech, enterprise tech, and defense — defined by impact at scale.

Full resume →
JP Morgan Chase & Co.
Sr. Product Associate — Credit Card Pricing
May 2022 – Present

Led mainframe-to-cloud migration unlocking significant cost savings. Delivered end-to-end integration for Chase Sapphire Card Refresh, built cloud services for the Amazon co-brand card, and spearheaded LLMStudio AI adoption to boost team throughput.

💰 $750K in cloud migration savings
Product Strategy Cloud Migration AI / LLM Credit Card Pricing
J&F Projects
Analyst / Product Owner
Jul 2019 – Jul 2020

Designed and delivered an automated parking lot solution for a German client — implemented 4 live builds at the client site in Germany. Served as cross-functional SPOC between tech and sales teams.

💰 €50M client project delivered
Product Delivery Automation Client Management
Data Resolve Technologies
Analyst Engineer
Jun 2017 – Jul 2019

Supported product deployments that helped land a major defense contract for the Indian Navy. Built automated API and UI testing pipelines and applied User Behavior Analytics to improve product quality.

💰 $13.4M defense contract landed
Defense Tech Test Automation UBA Python · PostgreSQL

From Yamuna Ghat to Wall Street.

Computer science roots, product instincts, and 7+ years building things that reach millions.

Current
2022 – Present

Sr. Product Associate

JP Morgan Chase
📍 Wilmington, DE

Credit card pricing — Chase Sapphire Refresh, Amazon co-brand, LLMStudio AI adoption.

💰 $750K cloud savings
2025 – 2026

MS in Human Centered Interaction Design

Harrisburg University
📍 Harrisburg, PA

In progress. Thesis: AI-assisted UX research workflows.

2024

Personal Finance Bootcamp

1% Club

Investing, credit, and personal finance — sparked the blog and 100+ people advised on credit strategy.

2021

MS in Business Analytics

Northeastern University
📍 Boston, MA

Shifted from engineering to product and data strategy.

2019 – 2020

Analyst / Product Owner

J&F Projects
📍 Germany

Delivered a €50M automated parking solution — 4 live builds at client site. First cross-functional product ownership role.

💰 €50M project delivered
2017 – 2019

Analyst Engineer

Data Resolve Technologies
📍 Noida, India

Shipped product deployments that landed a $13.4M Indian Navy defense contract. Built automated testing pipelines with Python, JMeter, and Selenium.

💰 $13.4M defense contract
2013 – 2017

Bachelor of Technology in Computer Science

Dayalbagh Educational Institute
📍 Agra, India

B.Tech in Computer Science & Engineering, minor in Electrical Engineering. The technical foundation everything else is built on.

2016

Android Developer Intern

Amvrin Systems
📍 Noida, India

First code. Built Android apps for an online pharmacy and grocery brand.


Where it all began.


Kind words

What collaborators say.

"

Agraj and I met when I joined his team at Chase. His thoughtfulness immediately presented when he ensured I was brought up to speed on not only what was needed task-wise, but the reasoning behind it. His expertise was invaluable as he guided me through a successful multifaceted project launch across many key stakeholders. The project was not only complicated, but an important step for the company. His attention to detail, process and business knowledge, and willingness to partner is exceptional. I look forward to continued collaboration in the future.

Amy Zak Vice President · JP Morgan Chase
March 2025 · Same team
"

Agraj joined my team as a fresher Quality Assurance Engineer at Data Resolve. From the start, he showed his worth by working beyond expectations. I was impressed by his ability to quickly learn and implement testing methodologies on our development projects. Beyond his job role, he showed great zeal working across DevOps, Solution Design, and Technical Documentation — his cross-functional capabilities made him integral to all sections of project delivery and support. He is a self-motivated individual and a great team player. His strong logical approach towards problem handling gives exceptional results.

Abhishek Kumar Cloud & Application Security · DevSecOps
November 2019 · Managed Agraj directly
"

Worked with Agraj for a few months in 2017 — his technical and communication skills stood out from the crowd. It was great to see his growth from fresher to maturing professional. He has leadership potential, which I believe has only amplified with his higher studies and his commitment to becoming a better professional.


Thoughts on finance,
products & beyond.

Making complex financial topics accessible — backed by personal experience and real data.


Ventures I believe in.

Beyond the day job — companies and communities I invest in and collaborate with.

Avawatz Death & Co. Din Check Band Indian Maharaja Tours Taj Framers (Defunct)
View all associations →

What I'm up to.

Updated May 2025 · Greater Boston


Let's build something
great together.

Whether it's a product collaboration, an investment discussion, or a chat about credit scores — I'm always up for a good conversation.

Say Hi →