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Niraj is responsible for the business growth of the company along with ensuring superlative portfolio quality. He manages the Distribution and Collections functions across India.

He has over 25 years of exceptional track record in managing Credit & Risk, Risk Analytics, Sales and Distribution functions in Banking and Financial Services Industry. He has worked in reputable organizations in the industry like Larsen & Toubro, ICICI, ABN Amro Bank and later RBS. He was the Head of Credit for unsecured SME and Professional loans in Bajaj Finance Ltd. and the EVP – Head of Central Underwriting and Risk Intelligence Unit for secured, unsecured and short-term trade finance for SME at Religare Finvest Ltd before joining Aye Fin.

Niraj is an alumnus of IMT Ghaziabad and is an engineer from REC, Jaipur.