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Rafael Jr Algarra has extensive work experience in the banking industry. Since 2017, they have been serving as the Senior Executive Vice President at East West Banking Corporation. Prior to that, they held various leadership positions at Security Bank Corporation from 2000 to 2015, including Executive Vice President, Head of Financial Markets Segment, Chairman of SB Forex, and Director of SB Capital. Rafael Jr has also worked at Standard Chartered Bank as the Regional Head of Global Exotics and Vice President. Rafael Jr'searly career includes roles as a Manager at Citi, where they traded in various financial products.

Rafael Jr Algarra attended the Ateneo de Manila University from 1986 to 1990, where they obtained a Bachelor's Degree in Engineering/Industrial Management. Following this, they attended the Asian Institute of Management from 1991 to 1993, where they successfully completed a Master of Business Administration (M.B.A.) degree. Additionally, in 2006, they briefly studied at the University of Michigan - Stephen M. Ross School of Business, although information about the specific degree or field of study is unavailable.