Industry recognition
Credit Strategy Credit 500
Raj was named to Credit Strategy’s Credit 500 in 2025 and again in 2026.
The story
Risk management is most valuable when it improves the quality of a decision. It should make trade-offs clearer, challenge weak assumptions and help a business take the risks it actually intends to take.
That belief sits behind Dharma Risk. The work combines analytical rigour with the judgement that comes from having sat in the CRO seat — accountable to Boards, executives and regulators while still needing the business to move.
Strategic leadership
Board Risk Appetite, enterprise risk frameworks, governance, culture and the operating model required to make them work in practice.
Regulatory judgement
Experience building and maintaining senior relationships with UK regulators and translating regulatory expectations into proportionate action.
Credit lifecycle
From statistical modelling and credit policy through underwriting, affordability, collections and portfolio oversight.
Analytical discipline
An MSc Statistics and an Executive MBA combine analytical precision with broader strategic and leadership perspective.
Risk technology
Raj also acts as a strategic adviser to a GRC technology provider, supporting its founder with product development and market positioning.
