---
title: "Hardik Agarwal - Co-Founder & CEO in Bengaluru | Tal"
description: "Meet Hardik Agarwal, Head of Product & Growth | AI, Fintech, Consumer & B2B | Scaled BlinkX (JM Financial) from 0 to 100K users | Ex-founder in AI SaaS, Edtech and dev tools | IIT Roorkee, IIM Shillong | Next: an AI-first team in Bengaluru based in Bengaluru. AI stack includes claude code, hugging..."
image: "https://tal.club/meet/hardik-agarwal-3/share-image"
---

# Hardik Agarwal on Tal

## Headline

Head of Product & Growth \| AI, Fintech, Consumer & B2B \| Scaled BlinkX \(JM Financial\) from 0 to 100K users \| Ex\-founder in AI SaaS, Edtech and dev tools \| IIT Roorkee, IIM Shillong \| Next: an AI\-first team in Bengaluru

## About

I am an entrepreneur obsessed with product and growth\. I have been a founder thrice and I was on the founding team of BlinkX, JM Financial's broking app, which went from 0 to 100K users, and rose to Deputy VP leading brand growth, product innovation and partnerships\. At BlinkX \(2022 to 2024\): • Joined as a founding team member, rose to Deputy VP • Wrote the business plan for the digital lending vertical, launched it, and ran product for digital loan against shares • Built the JM Financial x Google Cloud co\-development partnership, plus partnerships with Google, Adobe and 2 large banks\. • Ran the innovation program, including GenAI projects like a hyper\-personalised nudge engine • Led brand, growth and digital marketing • In early days, led recruitment and hired 100\+ full\-time staff and interns As a founder: • CUNE AI: AI workspace for US commercial P&C underwriters\. Recruited an ex\-Swiss Re SVP as co\-founder, closed our first paying US customer, ran an institutional seed raise\. We wound it down in 2026\. • Reticle: co\-founded an open\-source verification layer for AI coding agents\. • Electura \(2020\-22\): B2C edtech SaaS for private tutors; 3,000\+ users in 2 months\. In short: I've built product, sold it to a US buyer, pitched institutional investors and recruited senior talent\. I think about distribution and revenue from the first spec, not after launch\. Earlier: • Indian Oil \(2018 to 2022\): strategy and planning in the Director \(Marketing\) office; managed \~50% of country's Oil & Gas demand\. Worked closely with the Ministry, economic advisors and chairman's office\. Managed executive board operations of a Fortune200 company at the age of 25\. Always interested in connecting with people\. One can always reach me at hardikagarwal94@gmail\.com or DM me\.

## Location

Bengaluru

## AI stack

claude code

hugging face

langgraph

notion

openai

HeyGen

## Work experience

Co\-Founder & CEO at Reticle, Jul 2026 \- Oct 2026 · 4 mos, Bengaluru, Karnataka, India, Reticle is an open\-source verification layer for AI coding agents\. Agents say "done" while things are still broken underneath; Reticle makes them prove the work runs\. • Grew the project to 1\.3K\+ GitHub stars and 600K\+ npm downloads in 4 months • Led go\-to\-market and growth: launches, founder\-to\-founder engagement on LinkedIn and X, community events, and an offline campaign in Bengaluru office lifts • Published reproducible benchmarks: caught 86 of 88 seeded bugs vs 60 for Playwright MCP • Built as part of Entrepreneur First \(EF\)

Co\-Founder & CEO at Cune, Jan 2025 \- Jun 2026 · 1 yr 6 mos, Boston, Massachusetts, United States, • Built an AI\-native agentic underwriting workspace for US commercial P&C insurance, replacing work done by BPOs and GCCs; cut the time to prepare an underwriting\-ready packet from 48 hours to under 20 minutes per complex submission\. • Shipped agentic workflows for SOV extraction, financial statement analysis, risk assessment, policy comparison and natural\-language chat over any submission document; automated triage of the \~25% of submissions that should never reach an underwriter, with auto\-emails to brokers for missing documents\. • Owned product from discovery to delivery: user research with active underwriters, feature specs and screen\-level UX for the CTO, synthetic test datasets, and all user acceptance testing before each release\. • Closed the first enterprise customer, signed two more pilots, and built a pipeline of 15\+ conversations with Chief Underwriting Officers at US specialty carriers; signed two BPOs as channel partners\.

Deputy Vice President and Head \- Brand Growth, Product Innovation and Strategic Partnerships at blinkX, May 2024 \- Dec 2024 · 8 mos, Mumbai, Maharashtra, India, The go\-to guy at BlinkX \(by JM Financial\)\. Joined very early as one of their first few team members\. Operated with a founder's mindset and built the company from the ground up, overlooking and leading multi\-functional responsibilities such as Product management, Innovations, Strategic Partnerships & Projects, Brand, Growth, Hiring, Campus Relations, and establishing various verticals and processes that were necessary to grow fast\. Started from 0 and worked with every function to reach 100K users\. Some of the key projects I led at BlinkX since 2022: 1\. Product Development & Innovation • Defined the digital lending business plan and started a new vertical • Product Head \- Digital loan against shares product • Established the Innovation Program, with workshops and experimental projects to drive innovation as a culture in the organization • Initiated AI and innovation projects such as the Hyper\-personalized Nudge Engine and other services built using GenAI\. 2\. Strategic Partnerships • Built a strategic partnership Between JM Financial and Google Cloud to co\-develop new products\. Cultivated partnerships with Google Play, Google Marketing, Moengage, VWO, Niveus etc\. to drive growth and innovation\. • Launched a new business division, leveraging BlinkX’s digital and brick\-and\-mortar FS broking capabilities to create a new service and revenue stream in partnership with other large financial institutions in India\. 3\. Brand, Marketing & Growth • Led the Brand and Growth vertical, focusing on brand creation, social media, influencer, and guerrilla marketing campaigns\. • Estd\. the digital marketing division and integrated automation tools to optimize campaign management and lead generation\. • Implemented product analytics & CRO strategies to enhance user experience and business growth\. 4\. Talent Acquisition • Headed campus hiring drives, hired 100\+ full\-time employees & interns in 2 years\. • Directed lateral hiring initiatives, strengthening a diverse & capable workforce\.

Founding Team Member and Head \- Product, Innovation and Partnerships at blinkX, Oct 2022 \- May 2024 · 1 yr 8 mos, Mumbai, Maharashtra, India

Founder and CEO at Electura, May 2020 \- Feb 2022 · 1 yr 10 mos, Mumbai, Maharashtra, India, Founded a start\-up focused on digitizing the unorganized private tutoring segment by providing all\-in\-one agnostic Android & Web solution \(B2C SaaS\) to create a digital classroom and enable growing need of beyond classroom connect

## Education

Bachelor of Technology \(BTech\), Electronics and Communications Engineering, Indian Institute of Technology, Roorkee

Master of Business Administration \(MBA\), Marketing and Strategy, Indian Institute of Management, Shillong

[View the original profile](https://tal.club/meet/hardik-agarwal-3)

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