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Saurabh Kushwaha has a strong background in banking and finance. Saurabh began their career with Bank of India as an Assistant Manager in October 2010. In March 2011, they moved to Punjab National Bank where they worked as a Credit Manager in the Corporate Office, handling pre-sanction credit appraisal and liaising with external parties for credit matters. In May 2013, Saurabh was promoted to Senior Credit Manager, responsible for monitoring large borrowal accounts, risk limits, and compliance. In May 2018, they became the Chief Manager and Branch Head of a very large branch in Punjab, India, focusing on SME and large industrial clients. Finally, in October 2019, they took on the role of Alternate Chief Executive at Punjab National Bank, overseeing credit portfolios, trade finance, and regulatory compliance. Throughout their career, Saurabh has demonstrated expertise in credit management, operations supervision, and profitability optimization.

Saurabh Kushwaha completed their Bachelor's degree in Mathematics from Chhatrapati Shahu Ji Maharaj University from 2005 to 2008. Saurabh then pursued a Master of Business Administration (MBA) with a specialization in Accounting and Finance at APJ Abdul Kalam Technological University from 2008 to 2010.