Born and raised in Lower Hutt, Wellington, Niraj began his career in financial services in 2013 and now has over a decade of experience specialising in investments, KiwiSaver, and retirement planning.

His early career covered KiwiSaver, mortgages, and broader financial planning, working closely with individuals and families through first/investment home purchases, debt structuring, and long-term financial decision-making. Over time, his focus shifted toward long-term investing and retirement planning, where he helps clients cut through complexity and make confident, well-informed decisions.

Now based in Timaru after moving from Wellington in 2020, Niraj joined Radical Investment in 2026.

Outside of work, Niraj trains Brazilian Jiu Jitsu (BJJ) and serves as Treasurer on the committee for the not-for-profit BJJ club. He enjoys working out at the gym with his personal trainer, playing video games with friends, watching stand-up comedy, and getting outdoors — whether camping, attempting golf, or taking his dog Moose on adventures with his partner.

Niraj is also actively involved in the local community, running free financial education sessions at the Timaru Library.