Raj is the Divisional Data Officer for Capital One’s Commercial Banking Division and leads Commercial Bank’s Data and Artificial Intelligence strategy. His team is responsible for developing a deep understanding of customers and leading product strategy and innovation for real-time data, data standardization, data controls, reporting infrastructure, systems of record, and machine learning/AI.
Raj has been with Capital One for nearly twenty years. Among other roles, Raj spearheaded Capital One’s Commercial Card Product Development and Small Business Card’s introduction of the Spark brand and suite of products. Raj also led U.S. Card’s Online Marketing for many years, where he helped build it from a nascent business into one of Capital One Card’s dominant acquisition channels. His teams have driven several critical innovations and products and helped Capital One obtain multiple key patents.
Raj holds an MBA from the Darden Graduate School of Business at the University of Virginia, is a Chartered Accountant, and has a bachelor’s degree in Statistics and Systems Design from Bombay University. He previously worked for six years as a forensic accountant and auditor in India and as an Adjunct Professor of Statistics at VCU’s Business School.