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Ajay Chhibar has a strong background in risk management, with experience in various roles and companies. Ajay currently serves as the Chief Risk Officer (CRO) at InComm Payments since 2023. Prior to that, they worked at Citi as the Director and Head of Risk from 2016 to 2023. Ajay also held positions at Synchrony Financial as the Vice President of Risk Management from 2014 to 2016, and at GE Capital as a Senior Portfolio Risk Manager from 2011 to 2014. Ajay has also worked at DFC Global Corp as a Senior Manager of Global Risk in 2011, JPMorgan Chase & Co. as a Risk Manager from 2008 to 2011, Citi as an Associate Manager from 2001 to 2008, and First USA as a Policy Analyst in 2000.

Ajay Chhibar completed a Bachelor of Science degree in Business Administration and Economics from UNH Peter T. Paul College of Business and Economics from 1994 to 1999. Ajay also obtained an MBA in Finance from Goldey-Beacom College during the year 2006 to 2007. Additionally, they attended Machabeng, although the specific details regarding the degree and field of study are not provided.