Enabling Profitable Growth with Insightful Risk Management
At Dharma Risk, we provide the executive leadership and technical innovation required to navigate modern retail finance. While our expertise is rooted in Retail Lending, we operate as a full-service partner across the entire Risk Management Framework
Beyond strategic advisory, we are developing proprietary products to industrialise risk insights and drive operational efficiency. From calibrating risk appetite to overseeing Enterprise Risk Management, we ensure governance is a catalyst for commercial success
Our Services
Interim and Fractional Chief Risk Officer (CRO) Services
Scalable SMF 4-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
Executive & Fractional Leadership
Lending Activity & Credit Operations
End-to-End Credit Advisory
Comprehensive review and optimisation of your lending engine. We refine Credit Policy, Underwriting, Affordability, and Collections to balance regulatory compliance with commercial conversion
Governance & Frameworks
Enterprise Risk Management (ERM)
Building the foundations of stability. We specialise in setting Board Risk Appetite, reviewing Committee Structures, and developing robust ERM Frameworks that align with your long-term business strategy
Assurance & Culture
Risk Insight & Performance Culture
Turning risk data into actionable intelligence. We design targeted Risk MI, develop Integrated Assurance Plans, and help shift your Risk Culture toward measured, strategic risk-taking
Featured Solutions
We've engineered a modern affordability assessment that integrates two robust, industry-recognised data sources
Our solution is delivered via:
Customisable Logic: incorporate your unique lending criteria and idiosyncratic rules
User-Friendly Web Platform: designed for effortless use by Brokers
Small to medium building societies lack affordable, timely peer benchmarks
We aggregate your existing quarterly MLAR returns into anonymised, regulator and Board-ready insights showing exactly where you stand vs peers
Transforming complex mortgage underwriting with a human-in-the-loop AI assistant. This tool orchestrates fragmented bureau data and bank transactions into a single, high-fidelity risk summary
Currently in proof of concept
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
