# Sangarsh Nigam

> Sangarsh Nigam is the founder and CEO of bluCognition and a former senior vice president and chief credit officer for Global Commercial Payments at American Express. Based in the New York metropolitan area, he focuses on using bank transaction analysis and document fraud detection to improve commercial lending decisions. He is also a publicly named angel investor in Alt Carbon.

- **Role:** Founder & CEO at bluCognition
- **Organizations:** bluCognition, American Express
- **Known for:** Held senior commercial credit leadership responsibilities at American Express and served on its Institutional Risk Management Committee., Founded bluCognition to apply banking transaction data to commercial risk assessment., Presented bluSense and FraudLens at FinovateSpring 2023.

## Career timeline

- **2001** — Worked in risk management at American Express, as recalled in his September 11 remembrance.
- **2014-2018** — Served as SVP and Chief Credit Officer in American Express commercial products/payments risk; Crunchbase lists April 2014 to September 2018.
- **2018** — Crunchbase dates his bluCognition founder/CEO role to September 2018. Finovate separately dates the company’s founding to September 2017.
- **2023** — Presented bluSense and FraudLens with Shirey Seigworth at FinovateSpring on May 24.
- **2025** — bluCognition and SBFE announced a strategic partnership on February 3; Alt Carbon named him among angel investors in its May seed round announcement.

## Achievements

- Held senior commercial credit leadership responsibilities at American Express and served on its Institutional Risk Management Committee.
- Founded bluCognition to apply banking transaction data to commercial risk assessment.
- Presented bluSense and FraudLens at FinovateSpring 2023.
- Led bluCognition when its SBFE partnership was announced in February 2025.
- Named as an angel participant in Alt Carbon’s $12 million seed round in May 2025; individual investment amount undisclosed.

## Latest updates

- **2026-09** — Published a personal September 11 remembrance reflecting on his American Express experience and leadership.
- **2025-10** — Posted about bluCognition’s goal of fairer lending and combining cash flow intelligence with SBFE data.
- **2025-05** — Alt Carbon named him among angel investors participating in its announced $12 million seed round.
- **2025-02** — bluCognition and SBFE announced a partnership combining bank transaction analytics and credit payment performance data.

## Links

- Website: https://www.blucognition.com/
- LinkedIn: https://www.linkedin.com/in/sangarsh-nigam

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Profile page: https://yespress.io/sangarsh-nigam
Published by YesPress — https://yespress.io
Last updated: 2026-10-25