Sonal Agarwal

About Sonal Agarwal

I work at the intersection of credit risk, strategy, and execution—leading consumer card portfolios with a focus on sustainable growth and controlled risk. My approach combines structured decisioning, portfolio insights, and strong team leadership to deliver measurable business outcomes.I believe in moving teams beyond execution into true strategic ownership, where every decision is tied to portfolio impact.Outcome-driven professional specialising in data driven transformations within global banking institutions. Proven expertise in leading cross-functional teams through complex initiatives, including Credit Risk Management and Financial Crimes-Anti-Money Laundering. With experience across Agile delivery and financial services, I bring a structured approach to portfolio optimization, strategy design, and execution through rule-based systems. I am particularly focused on enabling data-driven decisions, improving portfolio quality, and building high-performing teams that move from execution to strategic ownership.Specialties: • Scaled Agile (SAFe®) Implementation • Lean Delivery & Continuous Improvement • Data-Driven Coaching & Metrics • Waste Reduction & Process Optimization • Agile Governance & Transparency • Business Agility Transformation • Cross-Functional Team Alignment

Experience

1. Senior Vice President

   Citi

   Mar 2026 — Present

Education

• Koustav Institute of Self Domain (KISD), Bhubaneswar

  Bachelor of Engineering - BE, Electronics and telecommunication

  2007 — 2011