Dr. Cino Joseph is an accomplished academic and management professional with a Ph.D. in Management along with MBA Specialised in Finance & HR. She is currently serving as Assistant Professor at Rajadhani Business School (Autonomous), Trivandrum, specialising in Finance, HR and Shipping & Logistics Management. Earlier she has associated with various institutions such as Lourdes Matha College of Science and Technology, Kuttichal-Trivandrum, Kerala, Sapthagiri College of Engineering, Dharmapuri, Tamil Nadu and has experience in foreign countries such as Ministry of Education, Maldives as well as Birla Public school, Doha – Qatar. Her research focuses on Savings & Investment behaviour of school teachers reference to Alappuzha district with publications in UGC CARE and ABDC-indexed journals.