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Ratan Malu has a diverse work experience spanning over several years. Ratan began their career in 1979 as an Ex Dy Circle Head & AGM at UCO Bank, where they worked until 2014. During this time, they also served as an Assistant General Manager at UCO BANK, M C VADODARA from 2011 to 2013. From 1986 to 2013, Ratan Malu held the position of Head of Branch and later Assistant General Manager & Dy. Circle Head at UCO Bank, Circle Office, Ahmedabad. In 2014, they briefly worked as the CFO at Mayfair. Ratan then joined Financial Consultant in 2017 as the Director of Financial Planning and Analysis, where they remain in their role. Throughout their career, Ratan Malu has gained extensive experience in administration, operations, marketing, lending, and human resources development.

Ratan Malu completed their high school education at M P S Jaipur from 1964 to 1969. After that, they pursued a Bachelor of Commerce (B.Com.) degree specializing in Business/Commerce, General from S S Jain Subodh College, Jaipur, from 1970 to 1973. Afterward, they continued their studies at the same institution, completing another Bachelor of Commerce (B.Com.) degree, this time specializing in Accounting and Business/Management, from 1972 to 1974.