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Bibhor Jha began their work experience in 2008 at Nabil Bank, where they served as a Treasury Dealer until 2010. Bibhor then moved up to the position of Treasury Senior Dealer until 2012 before becoming an Assistant Relationship Manager until 2013. In 2013, they joined Sanima Bank Limited as the Head of Treasury, a position they held until 2019. Following this, they became the Head of Finance and Treasury until 2023, at which point they assumed the role of Chief Financial Officer.

Bibhor Jha has an educational history that includes an MBA in Finance from Sardar Patel University (2006-2008), a Bachelor's degree in Electrical Engineering from Tribhuvan University (2000-2004), an Intermediate of Science degree from Tribhuvan University (1998-2004), and a School Leaving Certificate from HMG Board Nepal (1988-1998).