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Mitchell To has a strong background in corporate and commercial banking, with experience at several major banks. Mitchell is currently a Senior Vice President at Hang Seng Bank, where they have been working since 2023. Prior to that, they worked at Bank of China (Hong Kong) as a Relationship Manager in Commercial Banking from 2018 to 2023. Before that, they were a Relationship Manager in Corporate Banking at ICBC (Asia) from 2016 to 2018. Mitchell started their career at OCBC Wing Hang in 2012, where they worked as a Senior Officer in Equipment Finance until 2016.

Mitchell To's education history can be summarized as follows:

Mitchell To obtained a Bachelor of Arts (BA) degree in Economics and Finance from the University of Exeter, which they attended from 2009 to 2012. Prior to that, they completed their secondary education at Malvern College from 2005 to 2009.

In 2016, Mitchell pursued further education and earned a Master of Science (MSc) degree in Risk Management Science from The Chinese University of Hong Kong, where they studied until 2018.

In 2021, Mitchell attended the University of Cambridge's Cambridge Institute for Sustainability Leadership for a short-term course called "Business and Climate Change: Towards Net Zero Emissions."

Additionally, Mitchell To has obtained several certifications. In 2023, they became a Certified Environmental, Social and Governance Analyst (CESGA®) through the EFFAS - The European Federation of Financial Analysts Societies. In 2021, they completed a course on "Understanding the recommendations of the Task Force on Climate-related Financial Disclosures (TCFD)" offered by the Climate Disclosure Standards Board. Mitchell also completed a course on "Principles of Sustainable Finance" on Coursera in August 2021. In 2020, they obtained the certification of "Associate Credit Risk Management Professional" from The Hong Kong Institute of Bankers.