Financial Risk Management Kit
Credit risk, liquidity, concentration, and capital adequacy templates built for fintechs.
About This Template
Most financial risk frameworks are built for banks with treasury teams and Bloomberg terminals. This one is built for fintechs managing credit risk, liquidity, and concentration — without the overhead. 6-tab Excel template covers: credit risk dashboard (with DPD benchmarks by product type), liquidity monitor (with burn rate and runway formulas), capital adequacy tracker, concentration risk, risk appetite statement, and committee reporting log. Paired with a 26-page guide that explains where to find the numbers, what good looks like, and how to set thresholds with board-level rationale.
Whether you're a lending fintech tracking delinquency buckets or a payments company monitoring settlement exposure, the formulas are pre-built and the benchmarks are calibrated for financial services. The risk appetite statement template includes sample language your board can actually approve — not placeholder text that requires a consultant to fill in.
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Who Is This For?
- → You're a lending fintech tracking delinquency buckets and need benchmarks to know if your portfolio is performing normally
- → You need a liquidity monitor with pre-built burn rate and runway formulas for board reporting
- → Your board needs a risk appetite statement they can actually approve — not placeholder text
- → You're a payments company monitoring settlement exposure and need concentration risk tracking
- → Your risk committee asks for financial risk metrics monthly and you're building them manually each time
Preview
Table of contents showing 26-page financial risk management guide structure
Credit risk dashboard with delinquency benchmarks and green/amber/red thresholds
Financial risk threshold matrix with green/amber/red escalation triggers
Risk appetite statement template with board-level metrics and tolerances
What's Included
- Credit risk dashboard with delinquency benchmarks
- Liquidity monitor with burn rate formulas
- Capital adequacy tracker
- Concentration risk analysis
- Risk appetite statement template
- Committee reporting log
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Frequently Asked Questions
What DPD benchmarks are included in the credit risk dashboard?
The credit risk dashboard includes benchmark ranges for Days Past Due (DPD) buckets by product type — unsecured personal loans, BNPL, earned wage access, and commercial credit lines. Benchmarks are expressed as portfolio percentage ranges for 30, 60, and 90+ DPD, calibrated for fintech portfolios rather than traditional bank averages.
What formulas are pre-built in the liquidity monitor?
The liquidity tab includes pre-built formulas for: cash burn rate (monthly and quarterly), runway calculation (cash / monthly burn), liquidity coverage ratio, settlement exposure by payment rail, and minimum operating reserve calculation. All formulas include data input fields — you enter your numbers, the ratios calculate automatically.
What does the risk appetite statement template include?
The template includes sample language for 8 financial risk appetite dimensions: credit loss tolerance, liquidity coverage minimums, concentration limits (by counterparty, geography, and product), capital adequacy floors, settlement exposure caps, leverage limits, and interest rate sensitivity thresholds. The sample language is written to be board-approvable without requiring a consultant to fill it in.
How does the concentration risk analysis work?
The concentration risk tab tracks exposure by counterparty, funding source, geographic market, and product type. It includes threshold formulas that flag when any single concentration exceeds your defined limit — and a commentary field for your risk narrative when a threshold breach requires explanation.
Is this useful for a payments company that doesn't do lending?
Yes. The kit covers settlement exposure, funding concentration, and liquidity monitoring — all relevant for payments fintechs. The lending-specific tabs (credit risk, DPD buckets) can be left blank or minimized without affecting the rest of the workbook.
What does the committee reporting log include?
The committee reporting log tracks: which financial risk metrics were presented to each committee (board, risk, audit), the date presented, thresholds in effect at the time, whether any limits were breached, and any actions taken. It creates an audit trail of your financial risk reporting cadence.
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