Risk Management
Done Right

Risk leadership across
every dimension

From interim CRO coverage to credit policy overhaul — a full-service risk partner for retail lending firms at every stage of growth

Interim & Fractional CRO

Scalable SMF4-level leadership for firms in transition. We bridge the gap with 20 years of sector experience, managing regulatory relationships, mentoring teams, and providing a "critical friend" to the Board.

End-to-end Credit Advisory

Comprehensive review and optimisation of your lending engine — refining credit policy, underwriting, affordability assessment, and collections to balance regulatory compliance with commercial performance.

Enterprise Risk Management

Setting Board Risk Appetite, reviewing Committee structures, and building ERM frameworks that align with your long-term strategy.

Risk Insight & Culture

Designing targeted Risk MI, developing integrated assurance plans, and shifting risk culture toward strategic, measured risk-taking.

WHAT WE DO

Built for Modern
Risk teams

Beyond advisory — proprietary products that industrialise risk insight and drive operational efficiency

Affordability Calculator

Improve conversion and accuracy with a modern affordability assessment platform with customisable logic for your lending criteria.

PROPIETARY TOOLS

Benchmarking

Transform your quarterly MLAR returns into anonymised, regulator and Board-ready peer comparisons. Know exactly where you stand.

Underwriting Co-Pilot

Transforming complex mortgage underwriting with a human-in-the-loop AI assistant.

Why Choose Dharma Risk

Dharma Risk isn't just a consultancy; it’s a commitment to 'Right Action' in the financial sector. We combine two decades of deep retail lending expertise with an agile, tech-forward approach to risk management

Ready to talk about
your risk challenges?

Whether you need interim CRO support, a specific framework review, or a demo of our tools — we'd like to hear from you.