Rajosik is a Partner and National Head of the Risk and Finance Advisory practice at KPMG in India, and is the Europe Middle East Africa (EMA) Risk Services leader, with more than 25 years of extensive experience driving Financial Risk Management, Banking Transformation, and Regulatory Compliance across national and global markets. He also serves as a member of the steering committee for the Risk and Regulatory Advisory practice.
Rajosik has a proven track record of collaborating with C-suite executives of leading GSIBs, domestic banks, corporations, and central banks to spearhead large-scale risk policies, regulatory reforms and digital lending strategies. He is a recognised thought leader combining deep financial acumen with strategic execution, backed by executive leadership credentials from the London Business School and Harvard Business School.
Throughout his career, Rajosik has led complex risk, treasury, and regulatory transformation initiatives for corporations and financial institutions across Europe, the Middle East, and South Asia. He has also played a key role in helping organizations establish and scale their Global Capability Centers (GCCs) across Risk, Finance, and Operations.
Beyond the financial services sector, Rajosik has successfully led enterprise-wide risk transformation programs. He has led several Basel and treasury related implementation projects across banks. These projects include implementation of Treasury Risk Management solutions, Basel III/IV requirements across credit, market, operational risk and non-financial risk. Rajosik collaborates with C-suite executives of domestic banks, corporations, and central banks to spearhead large-scale risk policies, regulatory reforms, and digital lending strategies. He advises central banks and regulatory committees on policy formulation across credit, model risk, and supervision frameworks. He has directed complex implementations of Treasury Risk Management solutions, Basel requirements, Market Risk, and Hedge Accounting frameworks for domestic and international banks. He has also guided prominent Asian financial institutions on digital lending transformations, alternative data underwriting models, Straight-Through Processing, and fintech alliances.
Risk Advisory Experience
- Lead the Risk and Finance Advisory practice, directing high-profile engagements across banking, insurance, and corporate sectors
- Advise Central Banks and regulatory committees (including RBI committees on Expected Credit Loss and Model Risk Management) on policy formulation across credit, model risk, and supervision frameworks
- Spearheaded more than several IFRS and Basel implementations for large GSIBs, Middle East institutions, and domestic banks
- Directed complex implementations of Treasury Risk Management solutions, Basel requirements, and Market Risk/Hedge Accounting frameworks for leading domestic and international banks
- Guided prominent Asian financial institutions on digital lending transformations, alternative data underwriting models, and Straight-Through Processing (STP) fintech alliances
- Delivered enterprise-wide risk management tools, such as the Enterprise Wide at Risk Model (EWaRM) for major industrial conglomerates, alongside comprehensive model development and validation initiatives for global GSIBs.
Financial and Advisory experience
- Held pivotal risk and advisory roles within major international firms (including Deloitte and Ernst & Young) and with ICICI Bank in London
- Managed enterprise-wide capital and investment management frameworks, optimizing multi-asset retail and corporate portfolios
- Delivered complex multi-jurisdictional financial reporting, compliance, and risk transformation programs across Europe, the US, and emerging markets.
