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Swapnaja Prem has a diverse work experience in the financial services industry. Swapnaja started their career at Asit C. Mehta Investment Interrmediates Ltd. in 2005 as an Assistant Manager in Equity Risk. In 2007, they joined Edelweiss Financial Services Limited as a Deputy Vice President in Credit and Risk for Wholesale Credit Business. Swapnaja held this role until July 2019, when they were promoted to Associate Director in the CRO's Office.

Swapnaja Prem obtained a C-DAC degree from Silverline Technology in 2002. Then, from 2003 to 2005, they pursued an MBA in Finance from IES Management College and Research Centre.