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Subha Kumar has extensive work experience in finance and accounting. They started their career as an Assistant Manager - Finance at Granite India Private Ltd. in 1988 and then moved to an NBFC in 1989, where they worked as a Manager - Fixed Deposits. At the NBFC, Subha Kumar gained experience in credit appraisal, treasury, finance, accounting, and process documentation for hire purchase and fixed deposits functions. In 2000, Subha Kumar joined Congruent Solutions as CFO, and also worked as an arbitrator at a private bank.

Subha Kumar pursued their education chronologically, beginning with their Matriculation degree at Church Park - Sacred Heart High School from 1971 to 1980. Following this, they attended Ethiraj College for Women from 1980 to 1983, where they obtained a Bachelor's degree in Mathematics (BSc.). Subha Kumar then went on to enroll in the Institute Of Chartered Accountants of India from 1983 to 1986, where they obtained a CA (Chartered Accountant) qualification.