Suraj Nagaraj is a senior product and technology leader with over 20 years of global experience across fintech, retail and marketplaces. As Head of Product for Loyalty & Customer Experience at Tesco, he leads 100+ product, UX, data and engineering professionals, shaping personalised customer experiences for more than 20 million customers and driving over £1 billion in incremental sales. Suraj specialises in product strategy, AI-powered customer experience, loyalty and personalisation, marketplace ecosystems, and cross-functional leadership. At Tesco, he has been at the forefront of conversational AI and LLM-powered experiences, including intelligent shopping assistants and automated customer support. Previously, Suraj held senior product and advisory roles across fintech and wealth management, helping businesses scale internationally and build innovative digital products. He is passionate about creating product-led cultures, developing high-performing teams and using technology, data and AI to deliver meaningful customer and business impact.