Combining 20 Years of Strategic Oversight with a Pragmatic Approach to Growth
With over 20 years of experience in the financial sector, including seven years as a Chief Risk Officer (SMF4), I have navigated the complexities of retail banking, building societies and FinTechs. My journey has taken me from the highly analytical world of MSc Statistics to leading the risk function for a £14bn balance sheet
I founded Dharma Risk because I believe that risk management shouldn't be a hurdle to business; it should be its foundation. I have a passion for being a "trusted advisor and critical friend" to the businesses I support, helping them find the perfect balance between risk appetite and sustainable reward
The Story: From CRO to Consultant
Professional Highlights
Strategic Leadership: Served as an SMF 4 (Chief Risk Officer) for the UK’s 6th largest building society, successfully rewriting Board Risk Appetite and shifting historically risk-averse cultures
Regulatory Mastery: Extensive experience in forming and maintaining high-level relationships with UK regulators and acting as a strategic advisor to the Board
Lifecycle Expertise: From building risk models to managing holistic risk frameworks across the 3 Lines of Defence, I understand every stage of the customer and risk lifecycle
Analytical Rigour: My approach is rooted in logic and data ensuring that every recommendation is evidence-based and robust
The 'Dharma' Philosophy
The name Dharma reflects my commitment to 'Right Action'. In the world of risk, this means being principled, proportionate and pragmatic
Get in touch at hello@dharmarisk.com
- Raj, Founder & Principal Consultant