Karishma was born and raised in India, where she earned her Bachelor of Commerce degree in Finance at Veer Narmad South Gujarat University. After college, she was a co-owner of a successful business located in the textile city of India that created customized outfits. In just three years, Karishma was able to grow that business from zero clients to over one hundred. In addition to managing all planning and designing, she took care of the financial operations for the business. Before immigrating to the United States, she worked as a Financial Analyst for Shri Sainath Group. In 2019, Karishma joined the Gerber team as a Collateral Analyst and is currently pursuing her Master’s degree at Zicklin School of Business at Baruch College.