Security Debt Index: Making the Invisible Risk Visible

In companies, the risk of cyber-attacks is not just about the threats that are happening right now, it is also about the mistakes that have been made in the past. Over time, as businesses focus on growth, they often make compromises on security that can cause problems later on. They might grant exceptions, put off fixing problems, keep using legacy systems, and delay in taking important decisions about how their systems are set up. This is what I call security debt, and like the debt you owe to a bank, it gets bigger over time.

The problem is that most companies do not really measure their security debt. It is spread out across different areas, such as a list of vulnerabilities that have not been fixed, old systems that are still being used, gaps in security controls, and exceptions that have been made without being written down. What is missing is a way to bring all of these things together into a view that the board of directors can understand. This is where the Security Debt Index comes in.

At its core, the Security Debt Index is a way to measure the risks that a company has accumulated over time because of the delay in fixing its security problems. It is not about finding threats but about acknowledging the problems that have been ignored.

A good Security Debt Index looks at five areas:

  1. Unresolved Vulnerabilities and Patch Backlogs: If a company has vulnerabilities that have been known for a time, especially ones that affect important assets, it is a clear sign of security debt. The longer these vulnerabilities exist, the more likely they are to be exploited.
  2. Unsupported and End-of-Life Systems: If a company is still using legacy systems that the vendor no longer supports, it represents structural weakness. These systems might still be used because they are necessary for operations. They create a big risk.
  3. Policy Exceptions and Compensating Controls: When a company makes exceptions to its security policies, they can become permanent over time. This creates a security environment that is fragmented, where risks are accepted but not fixed.
  4. Architecture Gaps and Weak Segmentation: If a company’s network is not set up in a way that’s secure with adequate isolation and segmentation, it can increase the risk of a big problem. These issues are often known. They are put off because they are expensive or complicated to fix.
  5. Control Ineffectiveness or Coverage Gaps: If a company’s security controls are not applied consistently or are not checked to make sure they are working, they can silently create risks.

What makes the Security Debt Index powerful is that it not only measures the current risk but also shows how the risk is changing over time. The goal is not to eliminate all security debt because that is not realistic. The goal is to make it visible, measurable, and something that is managed consciously.

Kuldeep Pal
Kuldeep Pal
CISO
Bank of India

Disclaimer: The views expressed in this feature article are of the author. This is not meant to be an advisory to purchase or invest in products, services or solutions of a particular type or, those promoted and sold by a particular company, their legal subsidiary in India or their channel partners. No warranty or any other liability is either expressed or implied.
Reproduction or Copying in part or whole is not permitted unless approved by author.
To explore more insights from CISOs across South Asia, download your copy of the CISO Handbook today.
CISO handbook
The CISO Handbook 2026 - Operation Cyber Defense, brings together strategic perspectives from cybersecurity leaders capturing how security leadership is evolving from a control-focused function to a business-aligned growth enabler. From bridging the gap between CIO priorities and stakeholder expectations to defining meaningful cybersecurity KPIs...
Download Now

LEAVE A REPLY

Please enter your comment!
Please enter your name here

Latest Articles

Share your details to download the Research Report 2026

Share your details to download the CISO Handbook 2026

Share your details to download the report 2026

Share your details to download the Cybersecurity Report 2025

Share your details to download the CISO Handbook 2025

Sign Up for CXO Digital Pulse Newsletters

Share your details to download the Research Report

Share your details to download the Coffee Table Book

Share your details to download the Vision 2023 Research Report

Download 8 Key Insights for Manufacturing for 2023 Report

Sign Up for CISO Handbook 2023

Download India’s Cybersecurity Outlook 2023 Report

Unlock Exclusive Insights: Access the article

Download CIO VISION 2024 Report

Share your details to download the report

Share your details to download the CISO Handbook 2024

Fill your details to Watch