Sanjo Jose
Hi! I'm Sanjo Jose πŸ‘‹

PGDM Student @ Muthoot Business School,
Kochi

I’m interested in how decisions are shaped and how strategy turns ideas into results. I work at the intersection of marketing, analytics, and leadership, always aiming for impact over noise. I keep refining my skills to deliver outcomes that actually matter.

About me

I am a PGDM student with a focused interest in business management, strategy, marketing, and analytics. I study how companies grow, what shapes customer behaviour, and how competitive advantage is built in real markets. I like breaking down business problems into simple moving parts so the real drivers become obvious.

My working style is practical. I learn fast, experiment without fear, cut out unnecessary complexity, and focus on solutions that deliver measurable impact. Through coursework and internships, I've built strengths in research, critical thinking, communication, and analytical problem solving. I enjoy working with data, spotting patterns, and translating insights into clear business actions.

I'm currently exploring roles where I can analyse customer behaviour, evaluate market opportunities, design structured strategies, and support decision making. I want a career that combines business logic with creativity, strong execution, and data-backed judgment.

Beyond academics, I spend time learning new tools, refining my communication skills, and studying how different industries operate. I'm also developing a deeper interest in marketing strategy and business analytics because they sit at the intersection of creativity and logic, which is where I do my best work.

Skills

Management & Business
  • Marketing Strategy
  • Consumer Behavior
  • CRM
  • Project Management
Technical & Analytical
  • Google Analytics
  • Tableau
  • Python / pandas
  • Excel
Soft Skills
  • Communication
  • Teamwork
  • Problem Solving
  • Adaptability

Education

2024-2026

Post Graduate Diploma in Management (PGDM)

Muthoot Business School, Kochi

Specialization: Marketing & Business Analytics

Visit Muthoot Business School β†’

A neo-tech global business school promoted by The Muthoot Group, MBS offers a corporate-focused curriculum with experiential learning, international exposure, and leadership development opportunities.

2020-2023

Bachelor of Arts (General)

Indira Gandhi National Open University (IGNOU)

Visit IGNOU β†’

IGNOU is India's premier open university, known for democratizing education and offering flexible, inclusive learning across disciplines.

2018-2020

Higher Secondary Education (Science Stream)

Government Higher Secondary School, Meenangadi

Completed science stream with focus on analytical thinking

Developed strong foundation in physics, chemistry, and mathematics with emphasis on analytical reasoning and scientific methodology.

2017-2018

Secondary Education

St. Peters & St. Pauls English High School, Meenangadi

A private co-educational institution recognized by the Government of Kerala, known for its emphasis on holistic education and academic excellence.

Experience

Muthoot Finance

Kochi, Kerala

PRE PGDM internship

Marketing Intern (Omnichannel Marketing)
  • Coordinated omnichannel marketing operations across digital and offline platforms
  • Participated in daily performance review meetings to optimize campaign strategies
  • Conducted data collection and analysis to support marketing decisions
Visit Muthoot Finance β†’

Green Earth Solutions

Wayanad, Kerala

Sales & Operations Coordinator
  • Managed sales coordination and operational logistics for eco-friendly product distribution
  • Supported inventory tracking, client communication, and order fulfillment
  • Assisted in local market research and customer feedback collection

Certifications

Google Digital Marketing Certificate

Google Digital Marketing & E-Commerce Professional Certificate

This program sharpened my understanding of how digital marketing actually works in real business environments. I learned to plan and run paid campaigns, analyze performance using real metrics, and build customer journeys that lead to measurable conversions. The e-commerce modules pushed me to think in terms of funnels, user behavior, and revenue impact instead of surface-level engagement. It made me comfortable with data-driven decision making and full-stack digital execution.

View Certificate β†’
Software Engineering Certificate

Introduction to Software Engineering (IBM)

This course clarified the fundamentals of building software systems rather than just writing code. I learned how requirements are collected, how systems are designed, and why structured development models like Agile or Waterfall matter. It helped me understand what makes software scalable, maintainable, and reliable. It also strengthened my ability to work with technical teams and communicate more intelligently in tech-driven projects.

View Certificate β†’
Python Data Analytics Certificate

Python Data Analytics (Meta)

This certification improved my ability to work with Python as a practical analytics tool. I learned to clean, transform, and analyze datasets using libraries like Pandas, and to interpret insights rather than getting lost in code. It taught me how to convert raw data into clear findings that support business decisions. It also gave me hands-on experience writing reproducible workflows instead of one-off scripts.

View Certificate β†’
Cloud Computing Certificate

Introduction to Cloud Computing (IBM)

I learned the core architecture of cloud platforms, the difference between IaaS, PaaS, and SaaS, and how organizations deploy scalable applications without relying on physical infrastructure. It helped me understand why cloud systems reduce cost, improve reliability, and power most modern digital products. The course also made me comfortable discussing cloud architecture in business and technology contexts.

View Certificate β†’
Marketing Analytics Certificate

Meta Marketing Analytics Professional Certificate

This program strengthened my analytical thinking in a marketing context. I learned SQL to extract and work with raw datasets, spreadsheet methods to clean and organize data, and statistical concepts to interpret patterns correctly. It pushed me to evaluate campaigns based on evidence, not assumptions. I also developed the ability to communicate insights clearly using dashboards, experiments, and attribution concepts, which is crucial for optimizing marketing ROI.

View Certificate β†’

Professional Goals

Short-Term Goals
(max 1 year)

  • Build an Online Community: Start creating value-driven content and build a focused online community around business, leadership, and personal growth.
  • Skill Acquisition and Mastery: Pick specific high-value skills, study them systematically, and reach a level where I can apply them confidently in real projects.
  • Leadership Development: Take active leadership roles in academic or early-career environments to build decision-making, team coordination, and accountability.
  • Professional Positioning: Secure a role where I can deliver measurable results, learn from experienced leaders, and build a strong professional foundation.

Long-Term Goals
(1–3 years)

  • Strengthen Communication Skills: Improve presentation and public speaking skills so I can communicate ideas with clarity, structure, and authority.
  • Consistency and Discipline: Develop daily and weekly routines that support my personal and professional growth instead of relying on motivation alone.
  • Organizational Leadership: Grow into a strategic leadership role where I can influence direction, culture, and long-term outcomes within an organization.
  • Social Entrepreneurship: Build a sustainable venture focused on solving real problems, with measurable impact and long-term value creation.
  • Large-Scale Community Building: Expand my online presence into a meaningful platform that educates, empowers, and connects people with shared goals and interests.
  • Skill Depth and Specialization: Continually master advanced competencies in leadership, analytics, marketing, and technology to stay relevant and competitive.
  • Mentorship and Impact: Guide others by sharing knowledge, supporting emerging talent, and contributing to communities that promote growth.
  • Lifelong Learning: Commit to ongoing education, certifications, and self-improvement to ensure long-term personal and professional evolution.

My Work

Consumer Behavior Analysis

Market Research & Data Analysis

Research | Analytics | SPSS

Conducted an in-depth analysis of consumer purchasing patterns using survey data and statistical methods (SPSS). The project identified key behavioral drivers behind purchasing decisions, segmented customer groups based on psychographic and demographic factors, and provided actionable recommendations to optimize marketing strategies and improve customer retention rates. Results showed a 18% improvement in campaign targeting accuracy.

  • Designed and distributed 200+ consumer surveys with structured questionnaires
  • Cleaned and analyzed data using SPSS and Excel with statistical modeling
  • Identified 5 distinct customer segments with different buying motivations
  • Presented findings to stakeholders with visual dashboards and actionable insights
  • Delivered strategy recommendations resulting in improved ROI on marketing campaigns

Digital Marketing Campaign Optimization

Performance Marketing & Strategy

Google Ads | Analytics | A/B Testing

Managed and optimized digital marketing campaigns across Google Ads and social platforms, resulting in a 35% increase in ROI and 28% reduction in cost per acquisition. The project involved continuous A/B testing of ad creatives, landing pages, and audience segments. I implemented data-driven strategies based on real-time performance metrics and user behavior analysis, which led to significantly better conversion rates and customer lifetime value improvements.

  • Designed 40+ ad variations and tested different messaging strategies
  • Optimized ad spend allocation across channels based on performance data
  • Implemented conversion tracking and attribution modeling for multi-touch journeys
  • Reduced customer acquisition cost by 28% while maintaining conversion quality
  • Created weekly performance reports and actionable optimization recommendations

Sales Forecasting with Python

Predictive Analytics & Modeling

Python | pandas | scikit-learn

Developed predictive models using Python and machine learning libraries to forecast sales revenue with 89% accuracy. The project involved cleaning raw sales data, engineering relevant features, and building ensemble models (Random Forest + Gradient Boosting) to predict future demand. The model was integrated into business planning processes, enabling better resource allocation, inventory management, and revenue projections for quarterly planning.

  • Processed and cleaned 50,000+ historical sales records using Pandas
  • Engineered 25+ relevant features from raw data including seasonality and trends
  • Built and compared multiple predictive models (Linear Regression, Random Forest, XGBoost)
  • Achieved 89% forecast accuracy with mean absolute percentage error of 8.5%
  • Deployed model insights to support inventory and workforce planning decisions

Market Entry Strategy

Business Strategy & Planning

Strategy | SWOT | Market Research

Developed a comprehensive market entry strategy for eco-friendly sustainable products targeting new geographic markets. The project involved competitive analysis, SWOT assessment, Porter's 5 Forces framework, and market sizing. Results identified high-potential markets in urban areas, recommended partnership-based entry strategy over direct market entry, and provided a 2-year roadmap for phased expansion with projected profitability milestones.

  • Conducted extensive market research across 3 potential entry markets
  • Analyzed 20+ direct and indirect competitors using structured frameworks
  • Built financial models projecting 3-year ROI under different market scenarios
  • Identified strategic partnerships to reduce market entry risk and capital requirements
  • Presented strategy to leadership with go/no-go recommendations for each market

My Learnings

Leadership Lab

I completed the Leadership Lab at Muthoot Business School, where I built my Personal Leadership Map. The process forced me to look at my patterns honestly, including the habits that hold me back and the strengths I tend to overlook. It helped me define the values I actually operate from, not the ones I assume I have, and map out the direction I want to grow toward as a leader. The outcome is a clearer understanding of how I think, how I react, and what I need to improve. It's a practical roadmap, not a motivational exercise, and it gave me a more realistic view of my own leadership potential.

Leadership Lab

Current Business Trends

The Current Business Trends (CBT) course at Muthoot Business School has been a truly transformative learning experience. It has encouraged me to move beyond simply reading business news to actually analyzing, questioning, and assessing its impact on global and local markets. This structured approach has strengthened my critical thinking and analytical skills, helping me connect classroom learning with real-world developments.

Current Business Trends

Thought Leadership in Quantitative Finance | Indian Equity Markets'

I work at the intersection of quantitative finance and equity portfolio construction, with a focused application to Indian equity markets. My approach is strictly data-drivenβ€”using financial ratios, risk–return metrics, correlation analysis, drawdowns, volatility measures, and backtesting frameworks to evaluate investment hypotheses. Rather than relying on narratives or short-term signals, I emphasize rule-based decision-making, asset allocation discipline, and long-term portfolio robustness.

Through public learning and structured analysis, I translate quantitative finance concepts into practical insights using real Indian market data (indices, sectors, and portfolios). My long-term objective is to develop the analytical depth and research rigor required for a portfolio management role, grounded in logic, evidence, and repeatable processes.

Transformation and Growth – Semester 1

1. Shift from Passive Learning to Structured Thinking

At the beginning of Semester 1, my learning approach was largely passive and content-focused. I concentrated on understanding concepts in isolation and often relied on memorization rather than structured reasoning. As the semester progressed, subjects such as Business Research Methods, Marketing, and Current Business Trends fundamentally changed how I approached learning. I began breaking problems into smaller components, identifying cause–effect relationships, and evaluating arguments based on logic and evidence. Case discussions and analytical assignments pushed me to question assumptions instead of accepting information at face value. This shift is visible in the way I now frame answers using models, frameworks, and supporting data rather than descriptive explanations. The transformation helped me move from being a receiver of information to an active problem solver with a more disciplined and strategic thought process.

2. Improvement in Communication and Classroom Confidence

Communication was a clear growth area for me during Semester 1. Initially, I hesitated to speak in class due to self-doubt and the fear of being incorrect. Regular presentations, group discussions, and classroom interactions gradually helped me overcome this barrier. I learned that effective communication depends on clarity, structure, and relevance rather than perfection. Over time, I became more comfortable articulating my thoughts, responding to questions, and defending my viewpoints logically. Feedback from peers and faculty highlighted noticeable improvement in both confidence and presentation style. This progress was the result of consistent exposure, reflection, and conscious effort to organize my ideas before expressing them. By the end of the semester, I was able to participate actively and communicate with greater assurance in academic and professional settings.

3. Development of Analytical and Data-Oriented Thinking

Semester 1 significantly strengthened my analytical mindset and comfort with data. Before the program, I viewed data primarily as numerical information without deeper decision-making value. Through research assignments, surveys, and exposure to tools such as Excel and SPSS, I learned how data supports structured business decisions. I gained experience in collecting relevant data, cleaning it, identifying patterns, and interpreting results accurately. More importantly, I learned to question data quality and avoid drawing conclusions without sufficient evidence. Research projects and analytical exercises helped me translate numbers into meaningful insights and practical recommendations. This shift from intuition-based thinking to evidence-based reasoning has reshaped how I evaluate business problems and marketing strategies, making my decisions more logical and defensible.

4. Growth Through Teamwork and Collaborative Learning

Collaborative learning during Semester 1 played a major role in my personal and professional development. Working in teams exposed me to diverse perspectives, work styles, and problem-solving approaches. Early group tasks highlighted challenges such as coordination gaps, communication differences, and uneven participation. Instead of avoiding these issues, I learned to address them by clarifying responsibilities, improving communication, and focusing on shared outcomes. Through projects, presentations, and learning team activities, I developed the ability to contribute constructively while remaining open to feedback. These experiences improved my interpersonal skills and taught me the importance of accountability and adaptability in team settings. The semester helped me understand that effective teamwork is not about agreement, but about collaboration toward a common objective.

5. Increased Self-Awareness and Professional Maturity

Semester 1 contributed significantly to my self-awareness and professional maturity. Reflective activities such as the Leadership Lab encouraged me to examine my habits, behavioral patterns, and decision-making style. I identified areas where I needed improvement, including procrastination and over-analysis, and began working toward greater discipline and consistency. Exposure to real-world business discussions and case studies helped me move away from idealistic thinking toward practical judgment. I learned to evaluate situations by considering constraints, trade-offs, and execution challenges. This increased awareness has given me clearer direction regarding my personal development and career goals. Instead of vague ambition, I now operate with a more grounded, realistic, and focused approach to growth.

Work Integrated Learning (WIL)

Enhancing Gold Retention Through SUV

WIL Project – Muthoot Finance Ltd.

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Project Overview

This Work Integrated Learning project focused on analyzing customer retention patterns in Muthoot Finance's gold loan portfolio, with specific emphasis on the SUV Gold Loan Scheme. The initiative aimed to identify renewal opportunities and optimize customer engagement strategies through data-driven insights.

Conducted at Muthoot Finance Ltd., the project bridged academic learning with real-world business challenges, providing hands-on experience in financial services analysis and strategic recommendation development.

🎯

Key Objectives

  • β€’ Analyze customer retention patterns
  • β€’ Identify gold loan renewal opportunities
  • β€’ Optimize customer engagement strategies
  • β€’ Enhance data-driven decision making
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Suggestions Made

  • β€’ Automated reminder systems
  • β€’ Personalized customer dashboards
  • β€’ Loyalty incentive programs
  • β€’ Streamlined renewal workflow
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Trial Run

  • β€’ Pilot tested in select branches
  • β€’ Customer response tracking
  • β€’ System efficiency evaluation
  • β€’ Learning documentation
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Business Impact

  • β€’ Strategic thinking development
  • β€’ Data-backed recommendations
  • β€’ CRM understanding
  • β€’ Process optimization mindset

Peer Feedback and Teamwork Reflection (TEAMMATES App)

This section reflects my teamwork experiences as evaluated by peers through the TEAMMATES app. The feedback provided a structured view of how my seriousness, consistency, and sense of responsibility are perceived within team-based academic and project environments. Rather than relying only on self-assessment, peer feedback helped me understand how my working style affects team coordination, progress, and morale.

Key Strengths Identified Through Peer Feedback

A recurring theme in the feedback was my seriousness toward work and commitment to consistency. Peers highlighted that I approach team responsibilities with focus and reliability, ensuring that assigned tasks are completed on time and to the expected standard. My tendency to consistently follow up on work progress and remind team members about deadlines was seen as a stabilizing factor, particularly during high-workload phases.

Another strength noted was my effort to explain tasks and concepts in detail. This helped reduce ambiguity within the team and ensured that everyone had a shared understanding of expectations. Peers also described me as hardworking and supportive, someone who remains engaged even when tasks become repetitive or demanding. During disagreements or differences in opinion, I actively attempt to communicate rather than withdraw, which contributed to maintaining functional team relationships. Overall, the feedback indicated that my consistent involvement and sense of accountability positively influenced task completion and team discipline.

Areas for Improvement Highlighted by Peers

While my seriousness and structured approach were viewed as strengths, the feedback also revealed areas that require improvement. Peers observed that I sometimes express uncertainty instead of independently exploring solutions before raising concerns. This indicated a need to strengthen initiative and confidence in problem-solving, particularly when immediate answers are not available.

Another key gap identified was difficulty adapting to sudden changes or last-minute adjustments. My preference for planning and structure can sometimes make it challenging to respond quickly in dynamic situations. Additionally, peers noted that under pressure, my attitude and responses can appear rigid or tense, which may affect team dynamics during stressful phases. These observations helped me recognize that consistency must be balanced with flexibility and emotional control.

Reflection on Teamwork and Learning

The peer feedback provided a realistic perspective on how my seriousness and consistency are experienced by others. While these traits support reliability and discipline, they can also limit adaptability if not managed consciously. This reflection helped me understand that effective teamwork requires not only dependability and clarity but also the ability to adjust calmly to uncertainty and change. The feedback encouraged me to view flexibility as a professional skill rather than a compromise of standards.

Commitment to Improvement

Based on the insights gained, I am committed to:

  • Proactively researching and exploring solutions before expressing uncertainty
  • Developing greater flexibility in responding to sudden changes and evolving team requirements
  • Improving emotional regulation and maintaining a composed attitude under pressure
  • Balancing seriousness and consistency with adaptability and open-minded collaboration

This peer-based reflection has strengthened my awareness of how my working style influences team effectiveness and has provided clear direction for becoming a more balanced and adaptable team contributor.

Peer Feedback and Teamwork Reflection

Under 25 Experience – Event & Crew Team Exposure

The Under 25 Summit at Muthoot Business School was a large-scale, professionally managed event that provided valuable exposure to leadership, coordination, and execution skills. As a Crew Team Member with specific responsibility as a companion to the Event MC, I contributed to the smooth operation of this significant academic gathering.

Role and Responsibilities

My role involved supporting the Event and validating the event tickets, assisting with stage coordination and program sequencing, and ensuring smooth transitions between event segments. I coordinated with organizers and fellow crew members to maintain the overall event flow, demonstrating reliability and alertness in a real-time environment.

Skills and Exposure Gained

This experience provided hands-on exposure to live event and stage management, offering insights into behind-the-scenes coordination for large-scale events. I gained experience handling pressure while maintaining professionalism, and improved my communication and situational awareness skills.

Reflection and Takeaways

Participating in the Under 25 Summit strengthened my discipline, responsiveness, and ability to execute under time constraints. It highlighted the importance of preparation and adaptability in dynamic situations, contributing to my professional growth in event coordination and team-based execution.

Under 25 Summit Experience

mangement fest

Entrepreneurship Game | Management Fest Experience
Participated in a team-based entrepreneurship game at a management fest, working in a group of four members. The event involved rapid-fire business challenges such as brand identification, business puzzles, prototype development using limited resources, and creating a Business Model Canvas under strict time constraints.

This experience strengthened my ability to think strategically under pressure, collaborate efficiently in a team setting, and communicate business ideas with clarity and speed. It also provided practical exposure to entrepreneurial decision-making, role alignment, and structured problem-solving in a competitive environment.

Mangement Fest β€” Rajagiri

Learning Teams

INITIUM is the learning and research group at Muthoot Business School, built around disciplined curiosity, teamwork, and a commitment to understanding real business problems. Our work spans market research, analysis, and practical application.

As part of our PGDM program, we studied major business trends shaping today’s markets and translated those insights into structured presentations that connected theory with real-world shifts. Through the Work Integrated Learning (WIL) project, we conducted an in-depth analysis for the Head Office on customer retention and the positioning of the new SUV Gold Loan Scheme. This project involved understanding customer behaviour, evaluating retention gaps, and recommending communication and engagement strategies that strengthen long-term loyalty.

INITIUM focuses on learning that is evidence-driven, collaborative, and directly applicable to business challenges.

INITIUM logo

Hobbies

Interests that shape discipline, strategy, and perspective

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Football

Teamwork, discipline, stamina, and strategic thinking on the field.

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Football

Cultivates teamwork, builds physical stamina, and develops strategic thinking through tactical gameplay and quick decision-making under pressure.

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Chess

Analytical thinking, patience, decision-making, and foresight.

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Chess

Sharpens analytical thinking, builds patience, and enhances decision-making skills through strategic planning and anticipating opponent moves.

🌍

Travelling

Exposure to new cultures, adaptability, and broader perspective.

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Travelling

Broadens perspective through cultural exposure, builds adaptability, and fosters appreciation for diverse viewpoints and experiences.

Hobby Photo 1 Hobby Photo 2 Hobby Photo 3

Get In Touch

Contact Information

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Location

Kochi, Kerala, India

Connect with me

Send me a Message