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James Lofton has a diverse range of work experience in the financial and technology sectors. In 2016, they worked as a Technology Summer Analyst at Morgan Stanley. In 2017, they had two roles at The Wharton School, serving as a Teaching Assistant for Financial Derivatives and Fixed Income Securities. James also worked as a Summer Research Analyst at AQR Capital Management during that time. In 2018, they joined AQR Capital Management as a Vice President.

James Lofton attended Radnor High School from 2010 to 2014, where they completed their high school education. In 2014, they enrolled at the University of Pennsylvania, where they pursued a Bachelor's Degree in Computer Science until 2018. During the same period, from 2015 to 2018, James also attended The Wharton School, where they earned a Bachelor's Degree in Finance. Additionally, in 2013, James briefly studied at Stanford University, although no specific degree or field of study is mentioned.