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Niraj Jain is a seasoned finance professional with extensive experience in risk management, credit, and operations across various banking institutions. Currently serving as the Chief Risk Officer for RBI Reporting, BASEL III, and ICAAP at Nonghyup Bank since June 2023, Niraj has previously held key roles such as Credit Risk and Operations Risk Manager at Saraswat Cooperative Bank Limited, where responsibilities included NPA monitoring and regulatory reporting for the Delhi/NCR zone. Prior experience includes managerial positions at SVC Bank and YES BANK, overseeing credit, risk, and audit operations, as well as branch operations management at RBL Bank and HDFC Bank. Niraj holds a Master's in Management Studies (Finance) from Imcost Thane and a Bachelor of Engineering in EXTC from SSPM's COE, complemented by foundational education from J H Poddar High School.