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Vivian Xu has a diverse work experience spanning several industries. Vivian began their career in 2006 as a Management Trainee and Associate at China Merchants Bank, where they worked until 2011. Afterward, they joined Citi as a Summer Associate in 2012 and later worked as a Summer Associate at L.E.K. Consulting in 2013. In 2014, they returned to China Merchants Bank and assumed various roles, including Relationship Manager in China Corporate Banking and Assistant Head of China Corporate Banking. Their most recent role at China Merchants Bank is as the Head of US Corporate Banking, which they started in April 2020.

Vivian Xu has a diverse education history. Vivian completed their Bachelor's degree in Economics at Fudan University from 2000 to 2004. Following this, they pursued a Master's degree in Finance at Peking University from 2004 to 2006. Vivian continued their education by obtaining an MBA degree with a focus on Finance from Yale University - Yale School of Management from 2011 to 2013.