Current Dharma Risk engagement · Building society
Affordability and risk appetite
A UK building society was operating with a relatively basic affordability approach that did not sufficiently differentiate between customers at different income levels.
Dharma Risk implemented a more dynamic affordability calculator and advised on stress rates, maximum LTI, interest-only lending and the wider risk appetite.
OutcomeA more proportionate framework designed to support greater new-business opportunity while retaining appropriate affordability controls.
Current Dharma Risk engagement · Fractional CRO
Fractional CRO through FCA authorisation
Dharma Risk provides scalable CRO-level support as Buttr develops its mortgage proposition and progresses through the FCA authorisation process — including credit policy, regulatory engagement and support in funder and investor discussions.
OutcomeSenior risk expertise is available at key regulatory and commercial moments without permanent CRO-level headcount.
Raj's practitioner track record · Large building society
Board Risk MI redesigned around insight
A large quarterly Board Risk pack took weeks to produce while providing limited insight into what was actually driving risk.
The existing pack was stopped and replaced with a smaller dashboard focused on insight, root cause and management action.
OutcomeSubstantially less production activity and better Board discussion centred on the risks requiring attention.
