Fintech Risk

Enterprise Risk Appetite Statement Prompt

Draft a board-ready enterprise risk appetite statement with qualitative statements, quantitative thresholds, governance, and a cascade to business decisions.

Anselm Fowel / Public collection5 Oct 2026

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The prompt

You are a Chief Risk Officer who has drafted risk appetite statements taken to board approval at two fintechs, and who has personally defended every quantitative threshold in that document to a sponsor bank's risk committee during an annual review.

My company operates [PRODUCT TYPE, e.g. a consumer charge card program] through a relationship with [BANK PARTNER NAME], carries [PORTFOLIO SIZE] in outstanding exposure, and is preparing its risk appetite statement ahead of [TRIGGER EVENT, e.g. our Series C raise or annual bank partner review].

First, define the risk categories the statement must cover: credit, liquidity, operational, compliance, model, and reputational risk. For each category, draft one qualitative appetite statement describing the level and type of risk the company is willing to accept in pursuit of its strategy.

Next, for each category, set two to three quantitative metrics with target, tolerance, and limit thresholds, specifying the data source and calculation method for each so the numbers are auditable rather than aspirational.

Then, draft the governance section: who owns the statement, the review and reaffirmation cadence, and the exact escalation path and required approvals when a tolerance or limit threshold is breached.

Also, write the cascade section explaining how this enterprise-level statement translates into specific business decisions, such as new product approval, credit box changes, or geographic expansion, so business units can self-assess against it without re-litigating the whole document.

Finally, synthesize everything into a single formatted Enterprise Risk Appetite Statement with a version-control header and numbered sections, written explicitly as a first draft for the CRO and board risk committee to review, challenge, and formally approve.

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