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A M Karthik began their work experience in 2003 as an Engineer at Essar Steel. In 2008, they joined ICRA as a Senior Associate Analyst and later progressed to become an Analyst, Senior Analyst, Assistant Vice President, and currently holds the position of Vice President & Sector Head, Financial Sector Ratings.

A M Karthik completed a Master of Business Administration (MBA) in Finance and Systems from Bharathidasan Institute of Management Tiruchirapalli from 2006 to 2008. Before that, they obtained a Bachelor of Engineering (BE) in Mechanical Engineering from National Institute of Technology Surat, where they studied from 1999 to 2003.