Dhiraj Bhat
Product leader in AI/ML, Data privacy, and Fraud prevention
dhirajbhat
San Francisco, California
Joined January 2026
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Summary
Dhiraj Bhat is a seasoned Product Leader with extensive experience in the fintech sector, specializing in fraud prevention, AI/ML, and data privacy. His career trajectory demonstrates a clear progression from software engineering to leadership roles in product management, particularly within high-growth companies like Unit21 and Qenta Inc. zoominfo+2
He has a strong academic foundation with a Master's in Engineering Management from Duke University and a Bachelor's in Electrical and Electronics Engineering from Dayananda Sagar Institutions, both completed with high academic achievement. This background provides him with a holistic understanding of both technical and business aspects of product development. clay+1
Dhiraj has demonstrated expertise in launching new products, managing technical integrations, and enhancing platforms, specifically within the G-Coin portfolio at Emergent Technology, where he spearheaded features like mobile wallet management, automated bank verification, and fraud prevention measures. His work at Unit21 further highlights his commitment to developing solutions for compliance and combating financial crime through consortiums and secure data sharing. weekday+1
Beyond his professional roles, Dhiraj is an active contributor to industry discussions and thought leadership, publishing articles on platforms like Forbes and Medium about AI agents, product innovation, and the 'build vs. buy' dilemma. He also engages in online discourse, sharing his opinions on technology and sports. medium+2
Work
Education
Writing
Agents Won’t Be Your Moat
March 4, 2025An article discussing why companies, particularly in B2B, shouldn't categorize AI adoption as a lasting competitive advantage, especially concerning AI agents. It emphasizes integrating AI agents into broader ecosystems for sustained competitive advantage.
Q&A: What Makes Unit21’s Fraud Consortium Stand Apart
An article discussing fraud prevention, emerging trends, and the merits of shared data and consortiums in preventing fraud at scale, specifically focusing on Unit21's Fraud Consortium.
De-mystifying Build v Buy: Pick a solution that cuts the right corners
A Medium article by Dhiraj Bhat discussing the complexities of build vs. buy decisions, particularly in the context of technological solutions, drawing parallels to the evolution of cloud services.