Dr. Sheetal Thomas has over 18 years of experience in academia and research. She is currently pursuing a Post-Doctoral Fellowship at the University of Evora, Portugal, focusing on financial decision-making. She has published her research work in Scopus-indexed journals. Dr. Thomas has authored a reference book and written several case studies. She has also applied for a patent on method for identifying financial behavior through handwriting analysis. Her teaching expertise spans financial accounting and costing for entrepreneurship, behavioral finance, and cognitive finance. She has participated in numerous international conferences and workshops

DICTIONARY OF FINANCE (Reference Book), published by Excel Books, Delhi. First Edition, ISBN 978-81-7446-847-5, 2010.

1. Sheetal Thomas and Mridula Goel (March 2025)- Awaiting Publication “Does personality trait influence investor behaviour? – A study from Gujarat using cognitive skill of handwriting”. Finance India (Scopus Indexed, ABDC Grade “C” Journal, SJIF-7.262)
2. Mridula Goel and Sheetal Thomas (2023) – “Using a Start-up Promotion Lens to Analyse India’s National Education Policy 2020”. Journal of Governance & Public Policy (IPE), Volume 13 No 1 January-June 2023 ISSN 2231-0924. https://www.ipeindia.org/wp-content/uploads/2023/10/JoGPP-Vol-13-No-1-Jan-Jun-2023-FINAL.pdf
3. Sheetal Thomas, Mridula Goel, Gunjan Chablani, Parul Verma (2023) - “Use of Machine Learning and Financial Risk profiling for Sentiment Analysis” Taylor and Francis – Lecture Notes - RAMMML – 2022. https://www.taylorfrancis.com/chapters/ edit/ 10.1201/ 9781003358596-64/use-machine-learning-financial-risk-profiling-sentiment-analysis-sheetal-thomas-mridula-goel-parul-verma-gunjan-chhablani. https://doi.org/10.1201/9781003358596-64 
4. Sheetal Thomas, Mridula Goel, Anmol Agarwal and Asadali Abbas Hazariwala (2021) “Application of Machine Learning to Analyse Handwriting Features of Neuroticism”. Application of Machine Learning to Detect Neuroticism in Individuals Using Handwriting Analysis. In: Kumar A., Senatore S., Gunjan V.K. (eds) ICDSMLA 2020. Lecture Notes in Electrical Engineering, vol 783. Springer, Singapore (Scopus Indexed). https://doi.org/10.1007/978-981-16-3690-5_46 
5. Sheetal Thomas, Mridula Goel and Dipak Agrawal (2020) “A framework for analyzing financial behavior using machine learning classification of personality through handwriting analysis” Journal of Behavioral and Experimental Finance, Elsevier, Vol. 26, June 2020, 100315, DOI: 10.1016/j.jbef.2020.100315 (Scopus Indexed, ABDC Grade “A” Journal, Quartile-1, SNIP: 1.607, CiteScore:2.3) https://www.sciencedirect.com/science/article/abs/pii/S2214635019302291#:~:text=The%20present%20study%20adopts%20an,(Andreas%20Oehler%2C%202017).(Thomas et al., 2021)(Thomas et al., 2020)
6. Mridula Goel and Sheetal Thomas (2020) “Outcomes from Building Transparency in Governance in a Smart City Project in India: A Case Study of Panaji, Goa”, Athens Journal of Business & Economics, Vol. 6 pp.1-20, DOI:10.30958/ajbe.X-Y-Z (EBSCO, RePEC, DOAJ and others, SNIP:0.02) https://www.athensjournals.gr/reviews/2019-3347-AJBE.pdf 
7. Sheetal Thomas and Mridula Goel (2019) “Use of cognitive processes in handwriting to understand financial decision making” The 15^th NeuroPsychoEconomics Conference Proceedings, pp. 26, June 2019, NeuroPsychoEconomics International Conference, Rome, Italy (EBSCO). https://www.neuropsychoeconomics.org/2019-neuropsychoeconomics-conference/

Working Paper - “Understanding the neural underpinnings of consumer financial behaviour and risk propensity in the presence of a peer” at Cognitive Neuroscience Lab, BITS Pilani K K Birla Goa Campus.

• Won Best Paper Award for “Bibliometric Analysis of the Role of Artificial Intelligence in Advancing Financial Inclusion” presented at International Conference, Samvad 2024, Redefining Management Practices Through Artificial Intelligence and Business Applications, 23–24 February 2024, organized by the Indukaka Ipcowala Institute of Management (IIIM), Faculty of Management Studies (FMS), Charotar University of Science and Technology (CHARUSAT).
• Participated in International Symposium on "Rethinking Management Research and Practices" on February 22, 2024, organized by the Indukaka Ipcowala Institute of Management (IIIM), Faculty of Management Studies (FMS), Charotar University of Science and Technology (CHARUSAT).
• Participated and presented the paper - “Handwriting Analysis: A Systematic Review using PRISMA framework” in The 21st International Graphonomics Society Conference, 16–19 October 2023, organized by the Comprehensive Health and Research Center (CHRC) at the University of Évora (Portugal).
• Participated in “Behavioral Science in Management 2023”, (04-05 April 2023), Ahmedabad. Organized by Centre for Behavioral Science (CBS) in Finance, Economics, and Marketing at Indian Institute of Management, Ahmedabad (IIMA) in association with the NSE Ltd.
• Participated and presented the paper “Use of Machine Learning and Financial Risk profiling for Sentiment Analysis” in International Conference “Recent Advances in Materials, Manufacturing and Machine Learning (RAMMML - 2022)”, (26-27 April 2022), Nagpur. Organized jointly by the Department of Mechanical Engineering, Yeshwantrao Chavan College of Engineering, Nagpur and The Institute of Engineers (India) (Scopus Indexed).
• Participated and presented the paper “Sentiment Analysis and Financial Risk profiling using preference responses to lottery winnings” in Financial Economics Meeting: Post-Crisis Challenges (FEM-2021) (01-02 July 2021) Paris, organized jointly by the EDC Paris Business School, ESSCA School of Management, Paris (France), and CY Cergy Paris University, Cergy (France).
• Participated and presented the paper “An exploratory study to understand financial behavior of neurotic individuals using handwriting analysis” in the 17th NeuroPsychoEconomics International Conference (10-11 June, 2021) organized by Association for NeuroPsychoEconomics. Proceedings, pp. 38, June 2021, NeuroPsychoEconomics International Conference, Amsterdam (EBSCO). https://www.neuropsychoeconomics.org/2021-neuropsychoeconomics-conference/.
• Participated and presented the paper “Identifying Mutual Fund Investment Behaviour Using Handwriting Analysis” in 1st International Conference on Behavioural Economics and Finance (16-18 December, 2020) organised jointly by Institute of Public Enterprise (IPE) and India Behavioural Economics Network (IBEN).
• Participated and presented the paper “Application of Machine Learning to Analyse Handwriting Features of Neuroticism” in 2nd International Conference on Data Science, Machine Learning & Applications (ICDSMLA) (05-06 December, 2020) organized by Springer Conference, Pune, India.
• Presented (in absentia) the paper “Sustainable Development and Financial Behavior – Interventions in India” in International Conference on Knowledge and Policy for Sustainable Development: Global Lessons and Local Challenges (25-27 September, 2019) organized by Directorate of International Affairs, Guru Gobind Singh Indraprastha University, New Delhi, India.
• Participated and presented the paper “Use of cognitive processes in handwriting to understand financial decision making” in the 15^th NeuroPsychoEconomics International Conference (06-07 June, 2019) organized by Association for NeuroPsychoEconomics at Luiss University, Rome, Italy.

Academic Associations:

1. Rashtriya Raksha University – RRU, India
2. Assumption University – Thailand
3. Universitas Sumatera Utara (USU) - Indonesia

Professional Associations: 

1. Life Member of Indian Academy of Neurosciences.
2. Life Member of Baroda Management Association, Vadodara.
3. Elected Managing Committee Member, BMA for the term June 2023 to June 2025.
4. Have essayed the roles of Invited Managing Committee Member, Core Committee -Annual Awards for Young Managers, Director -Young Professionals Committee, Friday Evening Talk Committee Member for Baroda Management Association since 2014.
5. Volunteer for Mouth and Foot Painting Artists Association (MFPA), contributing since 2011.