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Pankaj Pandey started their work experience in 2016 as an Area Sales Manager at Ummeed Housing Finance Pvt. Ltd. Pankaj has been heading the Chandigarh branch since November 2016. Ummeed Housing Finance is an affordable housing finance company that caters to both informal and formal segments. They provide financing for the purchase of built-up houses, construction on plots, loans against property, and short-term business loans. Pankaj's role in this company lasted until October 2022. Pankaj then joined Finova Capital in November 2022 as a Regional Business Head.

Pankaj Pandey began their education at NER SR Secondary School GKP, where they pursued a Bachelor of Commerce degree from 1994 to 2003. After completing their undergraduate studies, Pankaj enrolled at Chandigarh Business School of Administration, Landran, for a Post-Graduate Diploma in Management with a specialization in Finance and Marketing from 2009 to 2011.