Muzaffar Shaikh

• Developed income prediction model for self-employed clients using multiple estimation methodologies • Achieved low variance in income estimates, ensuring reliability in non-salaried underwriting • Eliminated manual underwriting by automating eligibility checks, reducing loan processing TAT • Designed rule-engine logic ensuring faster, consistent, and transparent home loan decisioning process

• Evaluated query sources to streamline responses, improve first-contact resolutions & reduce repeated queries • Created client User Persona from 66,000 queries, predicting requests based on 16 demographic factors • Designed a dashboard aiding in efficient query categorization & improving predictive accuracy for query types • Achieved accurate Aug-Sept '24 query predictions through the functional analytics-based dashboard • Streamlined foreclosure & retention approvals by implementing direct payment link notifications for processing • Mapped customer service workflows, identifying bottlenecks & proposed solutions to improve efficiency • Improved branch-level communication by addressing gaps between head office and branch operations • Suggested EMI and tenure change options on official app to minimize branch visits for loan adjustments • Cleaned 89,000 records to support accurate machine learning models for predictive query management

• Managed a D2C made-to-order and mass-produced bakery business with a USP of customised 3D cakes • Generated 85 % YoY growth in sales during covid lockdown in 2020 by spearheading online business model • Achieved a 15%+ cost reduction through strategic vendor negotiations, significantly improving profitability • Used data driven analysis to receive a 4.8 rating on Zomato | Placed top tier among 3.5 lakh listed restaurants • Conducted analysis of 4000+ data points to enhance client service and ensure successful product launches • Serviced 8200+ client orders modelled on 7 KPIs after transition | Managed INR 30L+ turnover in 8 months • Effective fund management via cash flow forecasts | Enhanced cash conversion cycle by optimising inventory • Assessed customer creditworthiness before extending credit terms | Reduced receivable delays and bad debts • Stabilised daily revenue by securing long-term contracts | Reduced variability in operating expenses • Led a team of 6 | Facilitated orientation and job-specific training for 15+ hires, ensuring seamless onboarding • Implemented affiliate partnerships and omnichannel presence | Gained multifold growth in consumer reach • Drove organic online sales by personalising products and curating social media presence amid lockdown

• Evaluated relationships with suppliers, negotiated contracts and ensured timely delivery of commodities • Worked with clients for commodity payment obligations with careful oversight and regulatory compliance • Applied KPI metrics to measure supplier performance | Partnered with underperformers to improve efficiency • Quantified disparities between obligations and deliveries from suppliers for accurate transaction processing

• Reliance TUP 9.0: Top 90/7.7k+ teams | Ideated and proposed a plugin product to increase the efficiency of email management • Liaised with 346 students, 30+ faculty | Developed spreadsheet solution for schedule monitoring | Organised spec-clarity sessions for 114 participants to elucidate various specialisations • Course coordinator for 9 courses and handled and resolved queries for a class of 55 • Member, Ojas XVI Events: Designed & executed a boardroom simulation event | 1.1K+ registrations & 77K+ impressions garnered

• Led community service department | Organised a book drive for an orphanage, receiving 200+ donations • Received highest grade in 25 out of 40 subjects during B.M.S graduation • Participated in a city-level discussion on the state of the education system with then Minister of Education, Shri. Vinod Tawde