After graduating university, Garg worked in the mergers and acquisitions department at
Morgan Stanley as an analyst. The company became a
public company in 2005 but filed for bankruptcy under
Chapter 7, Title 11, United States Code during the
2008 financial crisis. In 2013, Garg co-founded Future Finance, a provider of student loans to students in the UK, with Brian Norton. Garg acquired Avex Funding of California to provide the new company with licenses and an operating platform to originate mortgages online. In November 2020, Garg was quoted in an e-mail in which he chided employees as "a bunch of DUMB DOLPHINS". In December 2021, a video was disseminated of him abruptly firing 900 people in the United States and India through a
videotelephony call conducted on December 2, 2021. He also insulted Better.com employees on
Blind. Following public outrage, Garg apologized and wrote in a letter to employees that he had "failed to show the appropriate amount of respect and appreciation for the individuals who were affected". He remained CEO and in January 2022 the company conducted a review of its internal culture. A video emerged of Garg blaming himself for "overhir[ing]", and a second round of layoffs took place in March 2022 after Garg's return, with the company also offering 60-day severance packages to employees who voluntarily resigned. ==Personal life==