Relative accepting jail on organizing risky transaction (5,4)

I believe the answer is:

ninja loan

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'risky transaction' is the definition.
I know nothing about this answer so I can't tell whether this works.

'relative accepting jail on organizing' is the wordplay.
'relative' becomes 'nan' (informal term for a grandmother).
'accepting' indicates putting letters inside (inserted letters are accepted).
'organizing' indicates an anagram (I've seen 'organize' mean this).
'jail'+'on'='jailon'
'jailon' anagrammed gives 'injalo'.
'nan' placed around 'injalo' is 'NINJA LOAN'.

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I've seen this clue in The Times.

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