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Niraj Thorat is a seasoned professional with extensive experience in risk management and credit ratings across multiple sectors. Currently serving as Group Head at CareEdge Group since November 2022, Niraj previously held several key positions at ICICI Bank from April 2016 to November 2022, including Risk Manager for the Multi National Clients Group and the International Banking Group, where responsibilities encompassed credit risk assessments and detailed industry analyses. Prior to that, Niraj worked at Tetra Pak as a Senior Engineer Maintenance and began a career in engineering as an Infra Engineer at Krafters Telecom Services Pvt. Ltd. and MEP Consultant at Neilsoft. Niraj holds an MBA in Finance and Banking from NIIT University and a B.Tech in Electrical Engineering from COEP Technological University, along with ongoing studies in German language proficiency.