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Swati Sharma's work experience includes roles in various companies and industries. Swati started as a Systems Analyst at Honeywell in 1999 and worked there until June 2000. From 1998 to 2010, they owned a business called Palkhi. In 2010, they worked as a Teller at Hudson City Savings Bank. In 2011, they had brief stints as a Personal Banker at Citizens Bank and as an FSA at People's United Bank until December 2014. Since 2015, they have been with Hudson Valley Credit Union, starting as an FSR until November 2017. Swati then became a Branch Supervisor until November 2021, and currently holds the position of Assistant Branch Manager.

Swati Sharma's education history includes a Master of Science (MSc) degree in Mathematics from Devi Ahilya Vishwavidyalaya, which they obtained between 1995 and 1997. Prior to that, they completed their Bachelor of Science (B.Sc.) degree in Mathematics from D.B. Girls P.G. College, which they attended from 1992 to 1995.

In addition to their formal education, Swati Sharma also obtained a certification in Management Essentials from the Harvard Business School Online. Swati received this certification in May 2019.