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How Finalyse can help
Finalyse Risk Data Analyzer
Every reporting cycle, your Credit Risk and Finance teams have to explain why RWA changed. In many banks, this still means ad-hoc extracts, spreadsheets and several rounds of questions before the figures reach a committee.
With CRR3 in force since January 2025, more approaches and the output floor make movements harder to read. Your team needs more than the final RWA figure: it needs to know which portfolios, counterparties and parameters drove the change, and how the result would look under different assumptions.
Finalyse Risk Data Analyzer does not calculate regulatory RWA. It works on your risk data and on the RWA outputs of your engine or of Finalyse RWA SmartCheck. Your existing data platform and BI tools stay in place.
How does Finalyse address your challenges?
MONTHLY AND QUARTERLY RWA MOVEMENT ANALYSIS
Explain each period's change in RWA by driver before the figures go to management or committee.
PRE- AND POST-RUN CONTROLS ON DATA AND RWA OUTPUTS
Check input data and compare RWA outputs before and after each run to catch errors early.
ANALYSIS OF RWA MOVEMENTS CAUSED BY BASEL III CHANGES
Isolate the effect of regulatory changes, such as CRR3 approaches or the output floor, from business-driven movements.
PORTFOLIO AND COLLATERAL SENSITIVITY ANALYSIS
Test how RWA responds to changes in rating, PD, LGD or collateral across a portfolio.
INVESTIGATION OF CONCENTRATIONS AND OUTLIERS
Find the counterparties, sectors or exposures that weigh most on RWA or behave differently from the rest
IMPACT ANALYSIS AND DRILL-DOWN AT DEAL LEVEL
Follow a movement down to individual deals and see how a single change affects their RWA
How does it work in practice?
A pragmatic analytical layer - built to complement your BI stack
Finalyse Risk Data Analyzer is designed to sit alongside existing risk calculation. regulatory reporting and BI environments such as Microsoft Power BI and Qlik Sense. Finalyse Risk Data Analyzer adds risk-specific validation, RWA analysis and exposure-level investigation; its curated outputs can support the bank S existing dashboards and management reporting.
One controlled path from data to decision
FRDA provides a visible bridge from the management KPI to the underlying driver and exposure, then lets the user test alternative outcomes before moving to action. Control → Detect → Explain → Simulate → Act
Key Features
Risk-native. Designed around risk-management questions and workflows rather than generic dashboard consumption.
Explainable by design. Keeps the bridge from management KPI to driver and exposure visible throughout the analysis.
Modular. Start with one use case and expand across controls, analytics, sensitivities and reporting.
Integration-friendly. Works alongside existing data platforms and BI tools instead of requiring a wholesale replacement.
Faster challenge. Shorten the path from a KPI movement to its root cause and reduce repeated ad-hoc extracts.
Better explainability. Support management, audit and governance discussions with transparent drivers and traceable evidence.
Forward-looking action. Compare plausible scenarios before taking portfolio, collateral or risk-management decisions.
Besion Kolli is a Senior Consultant in Financial and Risk Analysis with expertise in Business Analysis, Credit and Market Risk, and Project Management for the implementation of risk software solutions. He specializes in extracting, analyzing, and reporting financial data from diverse accounting and information systems and in developing advanced risk models. Besion’s technical proficiency includes SQL, Excel, and Python, which he leverages to provide comprehensive risk assessments. Additionally, he has extensive knowledge of Risk Authority Software, which is used for Regulatory Risk Reporting and Calculation. His project management experience includes overseeing the implementation of risk software, ensuring that solutions are delivered efficiently, within scope, and compliant with regulatory requirements.
Hugo is a Principal Consultant in Finalyse Brussels. He has a wide knowledge and expertise in financial products, valuation algorithms, reporting and regulatory issues. He combines in depth knowledge of banking financial risks and regulations with a wide understanding of the data, IT infrastructure and processes underneath. Hugo has been involved in multiple Risk and Regulatory Reporting implementation projects such as RWA calculation for credit risk, EAD calculation under SACCR, automation of internal reports for ALM and implementation of data governance to comply with BCBS239. Hugo is an experienced Agile project manager who stands-out for his dynamism, adaptability and interpersonal skills.
Belinda Pllaha is a managing consultant with over 10 years of experience in credit risk management, specialising in the implementation of key regulatory frameworks such as Basel IV and IFRS 9. She has a strong background as a functional analyst, conducting impact analyses, business analysis, and driving the implementation of risk management tools and systems. Belinda combines technical expertise in Excel, SAS E.G., SQL, and Risk Authority from Moody’s with an in-depth understanding of regulatory reporting and process optimisation.
Vjola Himaj is a Senior Consultant with expertise as a business and functional analyst and project manager in banking, with in-depth knowledge of banking applications and processes specialized in risk reporting. Her technical expertise includes SQL, Microsoft Access, Risk Authority, Oracle tools such as Flexcube and Oracle Banking, the Temenos T24 core banking system, as well as testing and reporting tools. Currently, Vjola works as a functional analyst focused on credit risk data integration and reporting within a project to centralize and modernize risk infrastructure, ensuring compliance with EU regulations. Her responsibilities include business requirements analysis, RWA calculation, regulatory reporting, and data mapping. Before this role, Vjola worked in software companies specializing in banking and financial services as a Senior Product Specialist and Automation Test Engineer for core banking systems. She also progressed rapidly in previous positions, advancing from Business Analyst to Project Manager.
