Niraj Ghai

Background

About Niraj Ghai

With several years of experience on Wall Street, I’ve developed deep expertise in Credit and Market Risk, CCAR, and Regulatory Reporting, supporting Tier 1 investment banks in navigating complex risk and compliance landscapes. My work has focused on building and enhancing frameworks that align with Federal Reserve and OCC standards, ensuring data integrity, capital adequacy, and sound risk governance across trading and banking portfolios. My background includes comprehensive exposure to stress testing (CCAR/DFAST), risk-weighted asset (RWA) calculations, and regulatory submissions, where precision, analytical rigor, and cross-functional collaboration were essential. I’m passionate about bridging quantitative analysis with strategic decision-making to optimize financial stability and performance in dynamic market conditions. I hold both a Master’s and Bachelor’s degree in Finance and Economics from St. John’s University, where I built the analytical and macroeconomic foundation that informs my approach to risk and capital management today. I apply my financial and risk management acumen to the banking and real estate investment sectors, integrating disciplined financial oversight and data-driven strategy to drive sustainable growth and value creation.