Risk Analysis
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VS
Vikram Singh
Business Manager
Risk Analysis Dashboard
Analysis As of November 29, 2025
Risk Category
Risk Level
Client Segment
Region
Portfolio Risk Overview
Compared to Previous Quarter
₹42.8M
Total Portfolio Value
₹18.3M
At-Risk Exposure
42.7%
Risk Exposure %
24
Critical Risk Clients
76%
Portfolio Health Score
Critical Risk Alerts Requiring Immediate Action
Reliance Industries - ₹4.25M overdue by 45+ days
Payment pattern deteriorating | High risk of bad debt | Requires escalation
Client concentration risk exceeding threshold
Top 5 clients represent 48% of portfolio | Diversification required
12 clients showing payment pattern deterioration
Total exposure: ₹18.7M | Requires proactive risk mitigation
Portfolio Health Score
76%
4.2% vs last quarter
Risk Exposure
42.7%
5.8% vs last quarter
Concentration Risk
48%
3.2% vs last quarter
Avg. Payment Delay
12.4 days
1.8 days vs last quarter
Client Risk Heat Map
View Detailed AnalysisReliance
₹12.8M
Global Mfg
₹8.4M
Tech Sol
₹6.2M
Metro Trd
₹4.8M
Tata Cons
₹3.5M
Infosys
₹2.8M
Auto Parts
₹2.1M
Pharma Co
₹1.8M
Retail Chain
₹1.5M
Logistics
₹1.2M
Risk Distribution Analysis
By Segment
By Region
By Risk Type
Risk Trend Analysis
Recommended Risk Mitigation Actions
View All ActionsImmediate Escalation Required
Reliance Industries shows critical payment delays. Escalate to senior management and consider legal action.
Assign to Legal Team
Diversification Strategy
Client concentration exceeds 45% threshold. Develop plan to diversify client base across segments.
Create Diversification Plan
Enhanced Due Diligence
12 clients showing deteriorating patterns. Implement enhanced credit checks and payment terms review.
Update Credit Policies
Risk vs Payment Behavior Correlation
Risk Score Distribution
Risk Analysis Insights
View Detailed AnalysisEarly Warning Signal Detected
Clients with 3+ consecutive late payments show 85% probability of becoming critical risks within 6 months.
Concentration Risk Threshold Breached
Top 5 clients now represent 48% of portfolio value, exceeding the 40% risk threshold.
Seasonal Risk Pattern Identified
Q1 typically shows 22% higher payment delays. Consider adjusting credit terms during this period.
High-Risk Clients Requiring Attention
View All| Client | Exposure | Overdue | Risk Score | Risk Level |
|---|---|---|---|---|
RI Reliance Industries | ₹12.8M | ₹4.25M | 92 | Critical |
GM Global Manufacturers | ₹8.4M | ₹3.75M | 78 | High |
TS Tech Solutions Ltd | ₹6.2M | ₹2.18M | 72 | High |
MT Metro Traders | ₹4.8M | ₹1.92M | 58 | Medium |
Risk Mitigation Progress
View All| Action Item | Priority | Assigned To | Due Date | Status |
|---|---|---|---|---|
| Reliance Industries escalation | Critical | Legal Team | Dec 5, 2023 | Overdue |
| Client diversification plan | High | Strategy Team | Dec 15, 2023 | In Progress |
| Credit policy review | Medium | Risk Committee | Dec 20, 2023 | Scheduled |
| Payment term adjustments | Medium | Sales Team | Jan 10, 2024 | Completed |