Banika has seven years of experience in financial services, beginning her career as a credit analyst at HDFC Bank. She has developed extensive expertise in credit risk analysis, offering a critical and analytical perspective on complex capital structures and credit processing. Her ability to assess financial risk and navigate intricate credit frameworks enables her to provide valuable insights to clients.​

A qualified Chartered Accountant, Banika also holds a degree in Accounting and Finance, equipping her with a strong technical and analytical foundation.​

Beyond work, she enjoys expressing her creativity through painting and performance arts.