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Pankaj Rai has a strong background in microfinance, starting their career in 2008 as an Assistant Branch Manager at SKS MICROFINANCE LIMITED. Pankaj then worked at Sahayata Microfinance Pvt Ltd as a Unit Manager from 2009 to 2013. In 2016, they joined Saija microfinance pvt. ltd as a Branch Head for a year. Since 2016, Pankaj has been working at Light Microfinance Pvt. Ltd. in various roles, including Circle Manager, Area Manager, Regional Manager, and State Head. Currently, they hold the position of Zonal Head at Light Microfinance Pvt. Ltd.

Pankaj Rai's education history begins in 2003 when they attended Veer Bahadur Singh Purvanchal University in Jaunpur. Pankaj completed their Master of Arts (MA) degree in an unspecified field of study in 2005. In 2012, Pankaj Rai enrolled at Mahrshi Dayanad University in Rohtak, Haryana, where they obtained a Bachelor of Education (BEd) degree in 2013. No specific field of study is mentioned for their BEd degree.