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Cliff Cabungcal has a solid background in finance and banking, with a focus on treasury, capital markets distribution, and investment specialization. Cliff has held various leadership positions in reputable financial institutions such as PJ Lhuillier Group of Companies, Cebuana Lhuillier Financing Corp., China Bank PH, Philippine Bank of Communications (PBCOM), Citi, HSBC, Banco Santander, and UnionBank of the Philippines. Their most recent role was as Chief Financial Officer at PJ Lhuillier Group of Companies, and they also served as Chief Operating Officer at Cebuana Lhuillier Financing Corp. During their career, they have held positions with increasing levels of responsibility and has demonstrated expertise in financial management and strategic decision-making.

Cliff Cabungcal's education history includes attending Ateneo de Manila University. However, no specific degree or field of study information is provided, and there is no indication of the start or end year.