Mohiuddin Ahmed Siddiqui
Pune
Summary
Experienced Business Data Analyst in fintech with a track record of delivering actionable insights. Seeking to leverage expertise in data analysis and financial acumen to drive strategic decision-making and optimize business processes. Committed to maximizing profitability and operational efficiency through data-driven solutions.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Manager - Business Analytics
Mahindra Finance
06.2024 - Current
- Campaign Cost Optimization: Reduced personal loan campaign costs from ₹25L to ₹13L/month without impacting disbursements, saving ₹1.2 Cr annually.
- Business Growth: Drove 20% YoY growth via targeted campaigns using bureau and ONUS data, while effectively managing credit risk.
- ML Propensity Model: Built a machine learning model to predict personal loan takers, improving targeting accuracy and boosting conversion rates.
- Risk Analytics: Delivered monthly risk decks with actionable insights on segment-wise portfolio risks, driving informed credit decisions.
- Data-Driven Marketing: Launched credit score–based offers for dormant customers; achieved 30% loan uptake and ₹4 Cr in profit.
- Customer Journey Optimization: Conducted root cause analysis for Airtel Payments Bank; increased approval rates by 25% through process improvements.
- Process Improvements: Streamlined data workflows and reporting, cutting cycle time and enhancing team productivity.
- Behavioral Insights: Researched underwriting rejects and drop-offs; refined loan products to better meet customer needs and improve conversions.
- Dealer & Product Strategy: Set data-driven dealer benchmarks, optimized product bundling, reduced loss ratios, and boosted add-on product penetration.
Manager - Analytics
Gera
09.2023 - 06.2024
- Sentiment Analysis with GenAI: Built a sentiment analysis model using Bard (via Hugging Face) and ChatGPT to classify customer email sentiments—enabled root cause analysis and enhanced app experience.
- Happiness Index Dashboard: Developed a dashboard to monitor subtle shifts in customer sentiment, enabling proactive actions to boost satisfaction.
- Play Store Review Analytics: Used NLP and ChatGPT to analyze app reviews, identifying key pain points and driving fast product fixes—significantly improved app usability and ratings.
- Collections Report: Designed a comprehensive report for the Finance team to track collections, improve cash flow visibility, and streamline debtor management.
- Automated GST Reporting: Built an automated GST report system, increasing tax compliance efficiency and ensuring timely filings and payments.
Business Data Analyst
Fibe
09.2021 - 09.2023
- Risk Management Decks: Delivered detailed monthly risk analysis decks for lenders, providing deep portfolio insights and effective mitigation strategies—enhancing risk practices and informed decision-making.
- Data Visualization (Tableau): Built intuitive Tableau dashboards and visual reports, simplifying complex datasets for stakeholders and driving faster, data-backed decisions.
- Competition Analysis: Performed in-depth competitor and market analysis, uncovering strategic insights that improved customer retention and sharpened competitive positioning.
- Fraud Prevention Module: Created a fraud detection system using fuzzy lookup techniques to flag and block applications from known fraudulent entities—substantially reducing fraud risk.
- Delinquency Reduction POC: Led a POC with a new vendor to lower delinquency rates through targeted account strategies; improved portfolio performance and optimized vendor costs through thorough cost-benefit analysis.
Business Analyst
Lentra.AI
11.2020 - 08.2021
- API Performance & Standardization: Analyzed and optimized API performance; standardized responses across vendors to improve data quality and operational efficiency.
- Production Issue Analysis: Identified and resolved data-related production faults, ensuring consistent system performance.
- Data-Driven Insights: Collected and analyzed usage and performance data to generate actionable insights, aiding product and business decisions.
- Regression & Release Testing: Validated data integrity and feature performance through rigorous regression testing and post-release analysis.
- Cross-Functional Collaboration: Partnered with tech teams to align data requirements and ensure smooth delivery of analytics-driven features.
Education
MBA - IT
Symbiosis Institute of Computer Studies And Research
Pune, India06-2021
EXTC
Mumbai University
Mumbai, India06-2018
Skills
- Python
- SQL
- Azure
- AWS
- Databricks
- Machine Learning
- Generative AI
- Model Evaluation
- Data Analytics
- Marketing Analytics
- Risk Analytics
- ETL Pipelines
- Data Cleaning
- MongoDB
- Power BI
- Tableau
Certification
- IIT, Madras (NPTEL) - Python for Data Science
- University of California, Davis – Visual Analytics with Tableau
- University of California, Davis – SQL for Data Science
- Udemy - Python for Data Science and Machine Learning Bootcamp
- Imperial College London - Mathematics for Machine Learning: Linear Algebra
- Google - Machine Learning for Business Professionals
- BCG-Digital Transformation
- IIT Kharagpur – Programming in JAVA
Awards
Mahindra Spot Award, Awarded with Mahindra Rise Achiever award in Analytics., Secured 1st position in Fibe Analytics competition., Achieved 37th position in IIT Madras, Bootcamp 2018., Participated in the TECHGIG Code Gladiator 2022 hackathon.
Attributes
- Team Management
- Problem Resolution
- Effective Communication Skills
- Flexibility And Adaptability To Changing Situation
- Strong Desire To Learn And Grow
- Patient Listener
- Team Leader
- Hardworking
- Decision making skills.
- Positive Attitude: Creating a positive work environment
Timeline
Manager - Business Analytics
Mahindra Finance
06.2024 - Current
Manager - Analytics
Gera
09.2023 - 06.2024
Business Data Analyst
Fibe
09.2021 - 09.2023
Business Analyst
Lentra.AI
11.2020 - 08.2021
MBA - IT
Symbiosis Institute of Computer Studies And Research
EXTC
Mumbai University
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