# Financial Risk Management

> Identify, measure, and mitigate financial risks — market, credit, liquidity, and operational — proportionate to the business. Use when building risk frameworks, stress scenarios, or board risk discussions related to finance.

- Skill: `itsual/financial-risk-management` (Agent Skill)
- Install (CLI): `npx skillmds@latest add itsual/financial-risk-management`
- Raw SKILL.md: https://api.skillmd.com/api/skills/itsual/financial-risk-management/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: itsual (https://skillmd.com/u/itsual)
- Updated: 2026-09-21
- Page: https://skillmd.com/skills/itsual/financial-risk-management

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# Financial Risk Management

## Overview

Financial risk management makes threats to value and survival visible and manageable. It is not about eliminating all risk — it is about conscious risk-taking.

## When to Use

- Enterprise or financial risk assessments
- Liquidity and market risk policy
- Board risk reporting
- Pre-mortem on major financial commitments

## Core Categories

- Market risk (rates, FX, prices)
- Credit risk (customers, counterparties)
- Liquidity risk
- Operational risk in finance processes

## Principles

- Measure before you manage
- Mitigations should match the size of the risk
- Concentration is a recurring hidden risk
- Risk culture matters more than risk paperwork

## Verification

- [ ] Top financial risks are identified and owned
- [ ] Material risks have metrics or indicators
- [ ] Mitigation and appetite are explicit