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Ho Tho has a diverse work experience in the banking and financial industry. They started their career at Techcombank as a Specialist Analyst for the corporate client segment. After working there for five years, they joined VPBank as a Relationship Manager. Following their time at VPBank, they joined MoMo (M_Service) as a Senior Key Account Manager, managing key accounts for the company. They then progressed to the role of Group Key Account Manager before being promoted to Head of Key Accounts.

From 2006 to 2010, Ho Tho attended the Banking Academy. However, no information is available regarding the degree or field of study pursued during this period.