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Nisha Ranjan (Wadhwa) has a strong background in credit policy and risk management. Nisha started their career in 2003 as a Credit Analyst at GECIS. From there, they moved to HDFC Bank in 2005, where they worked as a Manager in Credit & Underwriting until 2013. Nisha then joined Axis Bank as an AVP in Credit Policy, working there until 2018. Most recently, they joined Fullerton India Credit Company Ltd. as Vice President of Credit Policy and Risk Management Retail in 2018.

From 2000 to 2002, Nisha Ranjan (Wadhwa) attended Kurukshetra University. No specific degree or field of study was mentioned.