Risk Analyst- Lending Domain

3 weeks ago

Bengaluru, India Turno Full time

Job Title: Risk Analyst Lending Domain

Experience: 4-5 years of professional experience, with 1-2 years in lending companies mandatory.

About the Role:

We are looking for a detail-oriented and analytical Risk Analyst to join our team. The ideal candidate will have a strong background in lending risk analysis, with proficiency in SQL and Excel, and a solid understanding of lending metrics. This role requires the ability to connect risks across the entire lending lifecyclefrom sourcing and credit assessment to operations and collections.

Key Responsibilities:

  • Analyze lending risk data using SQL and Excel to generate insights and support risk mitigation strategies.
  • Monitor and report on key lending risk metrics such as vintage curve, rollforward, STAB, bounces, and AUM-level delinquency (knowledge of these is a plus).
  • Identify patterns and trends across multiple risk areas including sourcing, credit evaluation, operations, and collections.
  • Collaborate with cross-functional teams to develop risk frameworks and controls.
  • Prepare risk reports and dashboards for stakeholders.
  • Support risk assessment and policy formulation to optimize portfolio performance and minimize losses.

Candidate Profile:

  • 4-5 years of relevant experience with at least 1-2 years in lending or fintech companies.
  • Strong command of SQL, Excel, and data analysis techniques.
  • Good understanding of lending risk metrics (vintage curve, rollforward, STAB, bounces, delinquency) is desirable but not mandatory.
  • Ability to analyze and connect risks across sourcing, credit, operations, and collections functions.
  • Strong problem-solving, analytical, and communication skills.
  • Ability to work collaboratively in a fast-paced environment and deliver actionable insights.

Educational Qualifications:

  • Bachelors degree from a top engineering institute (IIT / NIT) is mandatory.
  • MBA or equivalent is preferred.

Skills:

  • Proficiency in SQL for data querying and analysis
  • Advanced Excel skills (pivot tables, formulas, data visualization)
  • Familiarity with lending risk metrics and portfolio performance indicators
  • Strong analytical and problem-structuring abilities
  • Effective communication and presentation skills
  • Ability to work cross-functionally and manage multiple priorities

Turno (Brand of Blubble Pvt Ltd) is an Electric Vehicle company that helps operators of commercial vehicles switch to EVs. Turno provides a wide selection of vehicles from partner OEMs, affordable financing, and battery value guarantees to ensure the highest return on value for EV owners. Our mission is to transition gasoline miles to electric miles in India. Founded by experienced entrepreneurs Hemanth Aluru and Sudhindra Reddy Pidapa—who previously led Zoomcar, India's largest personal mobility platform—Turno is committed to transforming commercial mobility sustainably.

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