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Joy Bing has a strong background in lending operations and credit auditing. Joy began their career in 1995 as a Senior Credit Auditor at GE Capital, where they worked until 2003. In 2008, they joined RadiFi Credit Union, formerly known as Jax Federal Credit Union, starting as the Manager of Lending Operations and later progressing to roles of increasing responsibility, including Director of Lending Operations, VP of Consumer Lending & Mortgages, Senior Vice President of Lending, and most recently Chief Lending Officer.

Joy Bing's education history includes attending Georgia State University Perimeter College. No specific degree or field of study was provided.