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Niraj Saraswat has extensive experience in financial inclusion and micro-enterprise management, currently serving as Manager (DMMU) for the DAY-NULM project at T&M Services Consulting Pvt Ltd since November 2015. In this role, Niraj ensures compliance with the guidelines of the Urban Livelihood Mission, while also preparing work plans for Urban Financial Inclusion and Self Employment Programs across various cities. Prior experience includes serving as Area Manager at Navjeevan Credit Cooperative Society Ltd. and holding managerial positions at Sahayata Microfinance Pvt Ltd, GeMoney Financial, and HDFC Bank. Niraj holds a PGDM in Finance and Financial Management Services from MDU Rohtak University.