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Rajiv Moti has a wide range of work experience. Rajiv began their career as a Financial Analyst at Medfin Management Services in 1998. After working there for four years, they joined HDFC Bank as a Branch Manager in 2002. Rajiv then transitioned to ICICI Bank in 2010, where they served as a Cluster Manager until 2014. Finally, they joined SabPaisa in 2016 and held multiple roles, starting as the Chief Operating Officer and currently serving as the CFO.

Rajiv Moti completed their Master of Business Administration (MBA) degree in Finance and Financial Management Services from the University of Lucknow between 1996 and 1998. Prior to that, from 1994 to 1996, they obtained an Intermediate degree in Cost and Management Accounting from the Institute of Cost Accountants of India. It is not stated when Rajiv started or finished their Bachelor of Science (B.Sc.) degree in Mathematics from ST. COLUMBA'S COLLEGE, HAZARIBAG. Additionally, Rajiv's education history includes attending St. Xavier's School in Hazaribag, although the specific degree and field of study are not mentioned.