Sharma grew up in Calcutta, India attended college and university in Bombay, graduating with a B.A. in Economics from Sophia College and a Master's in Finance from Bombay University’s Management Program. She worked with HDFC in retail mortgage finance and American Express Bank where she traveled as an auditor to Bangladesh, Pakistan, Sri Lanka and also to Australia, Japan, Singapore, Hong Kong and Thailand.
She joined GE Capital India in New Delhi and worked in various positions in risk management before moving to the United States. She worked in Reinsurance and Commercial Finance before her current job in Global Portfolio Data & Analytics for GE Capital Consumer Finance in Stamford, Conn. She lives in Ridgefield, Conn., with her daughter. She is a past president of Ridgefield AAUW & enjoys practicing Ashtanga Yoga, travel & writing.