• Ph.D. in Management – Indian Institute of Technology Roorkee (2009)
  Specialization: Finance
• M.B.A.– University School of Management, Kurukshetra University Kurukshetra (1998)
  Specialization: Finance
• B.A. in Economics -Kurukshetra University Kurukshetra (2005)
  Specialization: Economics and Public Administration

• Professor, School of Business
  Shri Mata Vaishno Devi University (2018–Present)
• Associate Professor, School of Business
  Shri Mata Vaishno Devi University (2015–2018)
• Assistant Professor, School of Business
  Shri Mata Vaishno Devi University (2009–2015)
• Lecturer, School of Business
  Shri Mata Vaishno Devi University (2007–2009)

• Dean Faculty of Management – Shri Mata Vaishno Devi University (2023–Present)

• CEO, Shri Mata Vaishno Devi University Technology Business Incubator Center – Shri Mata Vaishno Devi University (2022–2024)

• Coordinator, Shri Mata Vaishno Devi University Technology Business Incubator Center – Shri Mata Vaishno Devi University (2015–2024)

• Head School of Business-Shri Mata Vaishno Devi University (2016–2017)
• I/c Head School of Business-Shri Mata Vaishno Devi University (2014–2015)

• MHRD Doctoral Research fellowship – Indian Institute of Technology Roorkee (2004–2007)

• Design and Development of Renewable energy Powered Bakery Unit for Skill Development and Employment Generation in Himalayan Region Sponsored by Ministry of Environment, Forest and Climate Change, Government of India (2024-Present)
• An Empirical Study of Bank Credit Risk Management Using Big Data Analytics Sponsored by Indian Council of Social Science Research (ICSSR), Ministry of Education, Govt of India (2019- 2022) 
• Monitoring and Evaluation of Implementation & Impact study of Agricultural Technology Management Agency (ATMA) scheme in Jammu Division of J&K Sponsored by Directorate of Agriculture, J&K Government. (2020-2021)

• “Decarbonizing Asia: Examining the linkages between consumption emissions, healthcare spending and renewable energy transition” Economic Issues (In Press)

• “Examining the dynamic impact of carbon emissions, renewable energy and economic growth on healthcare expenditure in Asian countries”. Heliyon, 2024.
• “A Genetic Programming Based Credit Risk Assessment Model”. International Journal of Business & Globalisation, (In press)
• “Credit Risk Assessment: A Hybrid Approach using Data Analytics and Game Theory for Commercial Credits”, Empirical Economics Letters, 2022.
• “Effective Implementation of Right to Information in Jammu”, Korea Review of International Studies, 2022.
• “A Gaussian process-based approach toward credit risk modeling using stationary activations”. Concurrency and Computation: Practice and Experience, 2022.
• “Financial Efficiency Assessment of Power Sector in the Light of Reforms in Jammu and Kashmir” Empirical Economic Letters, 2021.
• “Review of credit risk & credit scoring models based on computing paradigms in financial institutions” Journal of Credit Risk, 2021
• “Assessment of Indian bioenergy policy for sustainable environment and its impact for rural India: Strategic implementation and challenges”. Environmental Technology & Innovation, 2020.
• “The Journal of Heritage Tourism: A bibliometric overview since its inception” Journal of Heritage Tourism, 2020.

• “Research on trade credit – a systematic review and bibliometric analysis”, Qualitative Research in Financial Markets, 2020.

• “Cobweb price dynamics under the presence of agricultural futures market: theoretical analysis”. International Review of Economics. 2019.

• “SWOT analysis of Government support to encourage Electric Vehicle adoption in the green revolution” International Conference on Innovative Technological Applications Reshaping Modern Business (IC-ITARMB), 2024.
• “Consumption-Based Carbon Emissions, Financial Instability and Green Innovation in India” International Finance and Accounting Conference (IFAC-2023), 2023.
• “Financial Literacy and Financial Well-being: A retrospective review and future research agenda” International Finance and Accounting Conference (IFAC-2023), 2023.
• “Credit Risk Management through Big Data Analytics, National Conference on Emerging Trends in Advanced Computing and Information Technology” (ETACIT-2K18), 2018.
• “Foreign direct investment in India: Need for a cautious approach” An Assessment of 25 Years of Globalization in India Guru Gobind Singh Indraprastha University, 2016.

• “An Unsupervised Learning Approach Towards Credit Risk Modelling Using DFT Features and Gaussian Mixture Models”, “Advances in Intelligent Computing and Communication. Lecture Notes in Networks and Systems” Springer-Verlag, 2022.
• “Total Quality Management for higher education: a rough set approach”, Chapter in “Complex system modeling and control through intelligent soft computations” Springer-Verlag, 2015
• “An investigation into accuracy of CAMEL Model of Banking Supervision using rough sets”, Chapter in Computational intelligence application in modeling and control, Springer-Verlag, 2015.
• “Option strategies under conditions of uncertainty”, Chapter in “Indian Capital Markets: Trends and Dimensions”, Tata McGraw Hill, 2000.

• Ph.D. Students Supervised – Shri Mata Vaishno devi University (2007–Present)

  • Supervised 7 Ph.D. candidates in Financial Management, Power sector reforms and General Management
  • Supervised 01 Ph.D. candidate in Indian Institute of Technology Roorkee (2013)

• Master’s Thesis Advisor – Shri Mata Vaishno devi University (2007–Present)

  • Mentored more than 75 Master’s students in Finance, Marketing, Public Policy and General Management.

• “81st Annual Conference of the Indian Society of Agricultural Economics (ISAE)”, Shri Mata Vaishno Devi University Katra, Jammu & Kashmir, 1-3 December 2021.
• “Management Skill Formation Program for Entrepreneurial Ventures”, SIDBI sponsored Small Industries Management Program (SIMAP)”(25th May to 5th September 2015)

• “Financing Renewable Energy: Challenges & Options”

• “From Idea to Impact: Boosting Startups through Stakeholders intervention and investor”

• “Indian Knowledge System-I”

• “Indian Knowledge System-II”
• “Need for and Importance of Skill Development, Ability, Skill, Competence – Life Skills, New Generation Skills”
• “Stalwart Management Practices: Sustenance in COVID Era”
• “Sustainable Development – A Value Chain Perspective”
• “Swdeshi aspect of management education”
• “Developing the Next Generation Teachers for Indian Higher Education”

• Mid Term Appraisal of 11th Plan of Haryana Performance of Flagships Programmers sponsored by Planning Commission, Government of India, 2010.

• International Invited Faculty Scholar to fulfill the academic agenda in a joint work with the faculty of Department of Accounting and Finance, and the “Thought and Praxis Research Group” Pontificia University Javeriana, Colombia (16-30 November 2016)
• Delivered a seminar on “Derivatives, development and destruction” at Pontificia University Javeriana, Cali, Columbia, 23 November 2016

• Best research paper award for research paper titled “Shadow Banking: A complement or a substitute to traditional banking? Paradigm for Sustainable Business: People, Planet & Profit” Department of Management Studies, IIT Roorkee, March 8-9, 2013.
• Third Prize won in National Research Paper Presentation Competition, Held at Institute of Management and Research, Bharti Vidyapeeth University, February 20, 2010. New Delhi
• Research Paper titled ‘Development of financial derivatives market in India: A case study’ included in Fellow Programme of IIM Indore for academic year 2010-11. Course Title: Theory of Financial Markets and Institutions, Term-V
• Awarded MHRD Doctoral Research fellowship at Indian Institute of Technology Roorkee