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Xinjia Liu has a range of work experience in various roles. They started their career as an Actuarial Intern at Sunlife Financial in 2006. Following that, they worked as a Quantitative Associate at Putnam Investments from 2008 to 2010. They then joined WPI as a Graduate Student in 2010. Finally, they worked as a Quantitative Strategies Associate at Loomis, Sayles & Company starting from May 2011.

Xinjia Liu pursued higher education at Worcester Polytechnic Institute, starting in 2004 and completing in 2007. During this time, Xinjia earned a bachelor's degree in Actuarial Mathematics and a master's degree in Financial Mathematics.