Financial Risk Detection Using Predictive Analytics and Real-Time Reporting

Pratik Chawande

doi:10.70528/IJLRP.v6.i8.1723

Financial Risk Detection Using Predictive Analytics and Real-Time Reporting

Author(s)	Pratik Chawande
Country	United States
Abstract	Financial institutions are facing a challenge to deal with high velocity risks; market, credit and liquidity- in environments where batch-based reporting cannot scale against the fast-changing exposures. Recent volatility, such as funding tensions and market run events in 20232024 demonstrates the importance of having more detailed and real-time risk insights. The proposed approach that will be discussed in the paper is a streaming-first architecture of predictive analytics and real-time reporting concerning risk management. Our design incorporates constant data ingestion through market, credit, and treasury sources and a stream processing backbone (Kakfa, Flink/Spark) which allows low-latency feature engineering, identification of anomalies and online inference. We make available a single coherent reference architecture, model portfolio, and evaluation model that strike a balance between the analytic precision of systems and operational security in the form of data lineage, encryption and replicability. Prototyping and case study results illustrate the following important implications: Latency costs can be reduced to sub-second levels; latency can result in measurable improvement in early-warning time over batch baselines; and latency application can result in operationally significant improvements of liquidity control, detection of fraud, or monitoring of credit risk. In addition to the technical results, the design is compatible with regulatory requirements and accuracy, timely reporting, and governance relevant to BCBS 239 and RDARR supervisory expectations.
Keywords	Predictive analytics; real-time risk reporting; streaming processing of data; liquidity and credit risk; Market Risk Monitoring; Early warning indicators (EWIs); BCBS 239 Compliance
Field	Engineering
Published In	Volume 6, Issue 8, August 2025
Published On	2025-08-11
Cite This	Financial Risk Detection Using Predictive Analytics and Real-Time Reporting - Pratik Chawande - IJLRP Volume 6, Issue 8, August 2025. DOI 10.70528/IJLRP.v6.i8.1723
DOI	https://doi.org/10.70528/IJLRP.v6.i8.1723
Short DOI	https://doi.org/g92nvd

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Financial Risk Detection Using Predictive Analytics and Real-Time Reporting

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