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Ratna L. has a diverse work experience spanning several industries. Starting in 1972, Ratna worked in the agriculture and farming sector for Brown & Company PLC. In 1973, Ratna moved into the banking industry, working for Bank of Ceylon until 1975. From 1975 to 1980, Ratna worked in banking at Hatton National Bank PLC. In 1984, Ratna joined Utah Community Credit Union (UCCU) as the Senior Vice President and Chief Financial Officer (CFO). After leaving UCCU, Ratna founded Cudata.com in 1999 and served as the founder until 2005.

Ratna L. completed their education chronologically with various institutions. From 1981 to 1985, they attended Brigham Young University's Marriott School of Management, where they pursued studies in an unspecified field. Subsequently, from 1995 to 1997, Ratna enrolled in the Western CUNA Management School at Pomona College in Claremont, CA, specializing in Finance and Financial Management Services. In 1980 to 1981, they attended Brigham Young University - Idaho to delve into Accounting and Finance. Prior to their college education, at an unspecified time period, Ratna attended St. John Bosco's College in Hatton, Sri Lanka. Later, in 2003, they obtained an Executive MBA degree from the University of Phoenix, without specifying the field of study.