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Dereen Harduth has a strong background in debtor finance operations and credit control. They began their career in 1990 as a Credit Controller at FNB before moving on to work as a Senior Credit Controller at Cutfin (Pty) Ltd from 1992 to 1996. In 1996, they joined Absa as a Team Leader in Debtor Finance, where they worked until 2000. They then joined Sasfin Bank Ltd, where they held various roles including Payouts/Limits Officer, Supervisor, and Manager Debtor Finance Operations.

Dereen Harduth attended Lenasia Secondary from 1985 to 1989 for an unspecified degree or field of study. dereen also enrolled at Damelin in 1990 to pursue a degree in Credit Management. Additionally, they returned to Lenasia Secondary for an unknown period of time, though no specific start or end years are given.