A globally recognised board leader and institutional advisor with over 40 years of cross-sector experience — spanning banking, (re)insurance, asset management and platforms across executive and board mandates. Founder of Accredere AG.
The most consequential financial opportunities of this decade sit at the intersection of four structural forces. Accredere AG exists to navigate that intersection.
The global financial system is undergoing structural change driven by four forces: the demand for long-duration institutional capital deployment; the transformation of (re)insurance, wealth and asset management platforms; the emergence of new infrastructure-like asset classes; and the rising complexity of cross-sectoral risk and business governance. Accredere AG's capability is built to operate across all four — and to translate them into the bespoke fund structures, platform designs and governance architectures that institutional clients now require.
Most advisors operate within one of these domains. Accredere AG operates across all four simultaneously — and it is precisely at their intersection that the most significant opportunities, and the most complex risks, are found.
Every mandate Accredere AG accepts is grounded in decades of lived executive accountability rather than a framework derived from it. That cross-sector grounding — from commercial credit to catastrophe risk to asset management and platform governance — is what enables Accredere AG to see connections and structure solutions that single-sector advisors cannot.
Six capability pillars · Accredere's response
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Institutional Capital
Connecting long-duration investors with infrastructure-like assets and (re)insurance balance sheets at scale.
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Risk Transfer Innovation
Developing and governing new mechanisms for managing, structuring and transferring risk across markets and sectors.
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Platform Development
Supporting the creation and scaling of (re)insurance, wealth and asset management platforms from inception to institutional grade.
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Governance Architecture
Ensuring growth, re-risking and ownership change are governed with regulatory confidence and investor credibility.
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Cross-Sectoral Risk
Cross-sector experience spanning banking, (re)insurance, asset management, wealth and fintech — anticipating second-order risks invisible to single-sector advisors.
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Fund Design & Construction
Currently designing fund structures focused on liquidity, credit and growth credit solutions tailored to the capital, solvency and duration requirements of insurers and institutional investors.
Signature Capability
A Rare Integrated Cross-Sectoral Perspective
Unlike advisors whose expertise is concentrated in a single vertical, Accredere AG operates across the full intersection of four domains — each essential, none sufficient alone.
Domain One · 26y Executive + 3 NED
Banking, Credit & Structured Finance
Twenty-six years of executive accountability across First City, Citibank N.A., Dresdner Bank (under Allianz Group oversight) and EFG Bank — in New York, London, Brussels, Düsseldorf and Zurich — followed by NED mandates at AIB Group PLC, The Co-operative Bank PLC and HSBC SAOG. Spans real estate, mortgages, commercial, consumer, private banking, investment banking, structured finance and credit cycles across four decades.
Real estate, mortgages, commercial and consumer credit
Investment banking, private banking and private capital
Structured finance and securitisation
Cross-border banking globally — US, UK, Europe, GCC and Asia (incl. India)
Basel III, Fed, OCC, PRA, FCA, CBI, FINMA, BaFin, DFSA, Central Bank of Oman, SEBI & RBI frameworks
Domain Two · 16y Executive + 2 NED
(Re)Insurance Balance Sheets & Platforms
Group CRO across three of Europe's most consequential (re)insurance balance sheets — Allianz Group (DAX 10, NYSE; €1T+ AuM, ~€102B revenue), Swiss Re (SMI; world's leading reinsurer), and Standard Life Aberdeen's life insurance and pensions businesses (LSE FTSE 45) — plus NED mandates at AXA UK & Ireland and Chairmanship of Muscat Insurance Company. Operational knowledge of how global insurance, reinsurance and specialty platforms deploy capital, structure treaties, and navigate solvency frameworks.
Treaty structuring and alternative risk transfer
Life, health, P&C, pensions and reinsurance balance sheets
Solvency II, SST and IFRS 17 capital implications
Run-off portfolio management and loss portfolio transfer
Long-term (re)insurance alliance development
Domain Three · 16y Executive + 1 NED
Asset Management & Capital Markets
Group CRO oversight of Allianz Global Investors and PIMCO (~€1T AuM), Conning at Swiss Re, and Standard Life Aberdeen (~£600B / $680B AuM at peak; LSE FTSE 45). NED on the Audit Committee of Vanguard Group (Ireland), serving ~$400B in international assets. Structuring capital solutions where (re)insurance and capital markets intersect.
Mutual fund, pension and segregated mandate governance
Infrastructure bond guarantee and credit enhancement
Aviation and real asset financing for institutional capital
Capital markets integration with (re)insurance solutions
Fund construction and risk architecture for insurers and institutional capital
Domain Four · 9y Executive + 1 NED + Advisory
Wealth Platforms, Pensions & Digital
Risk and governance oversight across the full institutional platform stack — UK adviser, workplace pensions, private banking and wealth platforms, plus international fund platforms — drawn from Group CRO mandates at Standard Life Aberdeen and EFG Bank, NED on Vanguard Ireland's Audit Committee, and active advisory roles spanning AI risk technology, SaaS platforms and AI-native insurance.
UK adviser platforms: Wrap, Elevate (~£60B AuA)
Workplace pensions platform (~£40B AuA)
Private banking and wealth platform risk (EFG Bank)
International fund platform governance (Vanguard Ireland)
InsurTech, WealthTech and AI-native platform governance
The integrated mastery of all domains — and critically the connections between them — is what enables Accredere AG to originate and execute mandates at the frontier of institutional finance: where others see complexity, we see architecture.
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Raj Singh
Founder & Principal · Accredere AG
About
A Catalyst for Unified Governance & Institutional Growth
Raj Singh is most often engaged by boards and institutions navigating the transition from stabilisation into renewed growth — where disciplined re-risking, institutional franchise development, and regulatory confidence must progress simultaneously.
Banking Foundation
26 years executive across First City, Citibank, Dresdner (via Allianz) and EFG
Executive CRO Career
Group CRO at Allianz, Swiss Re, Standard Life Aberdeen and EFG Bank
Board Mandates
Six listed and state-owned institutions across four continents — banks, insurers, asset manager
Regulatory Regimes
Personal accountability under twelve Tier-1 regulators
Global Profile
Dual Swiss & US citizenship · WEF Davos delegate (5 years) · Founder, Global CRO Forum
Current Ventures
Founder, Accredere AG · Co-founder, P&C AI-native insurer (IRDAI, India)
Raj's record spans more than 40 years operating at the highest level across the financial services ecosystem: twenty-six years of executive accountability in banking and credit — across First City National Bank of Houston, Citibank N.A., Dresdner Bank (under Allianz Group oversight) and EFG Bank — followed and overlaid by Group CRO mandates at Allianz, Swiss Re, Standard Life Aberdeen and EFG Bank, spanning global insurance, reinsurance, asset management, wealth management, and private banking.
The banking foundation, built at one of the world's most systemically important institutions across multiple geographies, business lines and credit cycles, is a defining differentiator. It means Raj brings to every board and advisory mandate not just insurance and risk expertise, but a deep, practical understanding of credit, lending, capital markets, and the full balance sheet disciplines that underpin sophisticated institutional finance.
Holding dual Swiss and US citizenship, Raj operates natively across European, American and emerging market financial systems. He was a World Economic Forum delegate for five consecutive years, founded and chaired the global CRO Forum, and led the International Financial Risk Institute — engaging directly with global regulators and policymakers on Basel, Solvency II, systemic risk, and capital frameworks.
Fed · OCCPRA · UKFCA · UKCentral Bank of IrelandECB / JSTFINMA · SwitzerlandBaFin · GermanyCSSF · LuxembourgDFSA · DIFCCentral Bank of OmanCMA · OmanIRDAI · India
Career Progression
Four Decades of Institutional Leadership
A career arc spanning the full cycle of global financial services — from banking and capital markets through (re)insurance, asset management, and now institutional advisory and platform development. Click any role to expand.
Established Accredere AG as a Swiss advisory entity to pursue high-level institutional mandates at the intersection of (re)insurance, capital markets, wealth and asset management platforms, and governance. Active mandates span European (re)insurance alliance structuring, board succession advisory, and platform development. Co-founder of a P&C AI-native insurance company in India with IRDAI licensing in progress.
Group CRO and ExCo member of EFG Bank AG, a leading Swiss private banking and wealth management group listed on the Swiss Market Index, operating in approximately 40 countries across Europe, Asia Pacific, the Americas, and the Middle East. Responsible for enterprise risk management, regulatory compliance, and risk governance across all business lines and jurisdictions. Oversaw the integration of risk frameworks following the acquisition of BSI Bank, one of the most complex private banking integrations of the decade. Engaged with FINMA and multiple international supervisory bodies.
Group CRO and ExCo member of one of Europe's largest listed asset, insurance and platforms groups, overseeing risk strategy across asset management, life insurance, pensions, and wealth platforms globally. LSE listed, ranked in the FTSE 45 by market capitalisation, with assets under management of approximately £600 billion (~$680 billion) at peak. Risk oversight extended across the Standard Life Wrap and Elevate adviser platforms (a leading UK adviser-platform franchise with ~£60 billion AuA) and the Workplace Pensions platform (~£40 billion AuA at peak) — making the group one of the largest combined investment platform operators in the UK. Led the risk function through the transformational merger of Standard Life and Aberdeen Asset Management, one of the largest financial services combinations in UK history. Dual regulated under PRA and FCA across all operations.
Group CRO and ExCo member at Swiss Re, the world's leading reinsurance company, SMI listed with operations spanning over 25 countries and a balance sheet exceeding CHF 200 billion. Responsible for group-wide enterprise risk management, economic capital frameworks, and risk governance across property & casualty reinsurance, life & health reinsurance, corporate solutions, and Conning, Swiss Re's asset management arm. Oversaw implementation of the Swiss Solvency Test (SST). Deep exposure to alternative risk transfer, structured reinsurance, catastrophe risk modelling, and the capital markets-reinsurance interface. Guided the risk function through the 2008 financial crisis, maintaining Swiss Re's AA credit rating and capital strength throughout.
Global ReinsuranceSST / Solvency IICat RiskConning · Asset MgmtFINMAFinancial Crisis
Group CRO and ExCo member at Allianz SE, one of the world's largest insurance and asset management groups, DAX 10 and NYSE listed, with operations across 70+ countries, total revenues of approximately €102 billion and assets under management exceeding €1 trillion. Risk oversight spanned property & casualty, life & health insurance, the Allianz Global Investors and PIMCO asset management businesses, and Dresdner Bank — Allianz's banking arm at the time. Led Solvency II implementation and enterprise risk governance across the global group during the financial crisis period. Engaged with BaFin, EIOPA, and international supervisory colleges as a senior representative of a globally systemically important insurer (G-SII).
Global InsuranceSolvency IIAllianz GI / PIMCODresdner BankBaFin / EIOPADAX 10 / NYSEG-SII
Twelve years in senior roles across Citibank's global banking operations, NYSE listed, spanning New York, London, Brussels and Düsseldorf. Held substantive positions across real estate banking, mortgages, business banking, commercial lending, consumer banking, private banking and private capital, investment banking, and structured finance. Developed deep expertise in cross-border banking, complex credit structures, institutional client management, and the regulatory environments of multiple jurisdictions across the US and Europe. Engaged with the Federal Reserve, OCC, and European banking supervisors.
Real Estate BankingMortgagesCommercial LendingInvestment BankingPrivate BankingStructured FinanceNYSE Listed
Began professional career in banking and corporate finance at First City National Bank of Houston, a NYSE-listed commercial banking institution. Developed foundational expertise in credit analysis, corporate lending, balance sheet management, and client-facing institutional finance — a grounding in the disciplines of risk and capital that would underpin four decades of cross-sector financial leadership.
Six major board mandates across listed, state-owned, and private financial institutions on four continents. Aggregate AuM and balance sheet exceed €1 trillion, with €100B+ in premium under governance. Each mandate has involved substantive committee chair responsibilities and active engagement with Tier-1 regulators.
Non-Executive Director · Risk & Sustainability Committees
AIB Group PLC
Allied Irish Banks, listed ISE and Euronext Dublin. Nominee Director of the Irish Minister for Finance. Accompanied the full-cycle transformation from state ownership to private hands: market capitalisation grew from under €2 billion to approximately €18 billion through disciplined re-risking and institutional franchise rebuild.
€200B Balance Sheet · ISE / Euronext Listed
Independent NED · Risk Committee Chair · Audit Member
The Co-operative Bank PLC
Europe's leading ethical bank. Chaired the Risk Committee through a high-stakes three-year turnaround that stabilised governance, restored market and customer confidence, and culminated in a successful investor exit above book value.
£20B Balance Sheet · LSE Senior Debt Listed
Independent NED · Risk Committee Chair · Audit Member
AXA UK & Ireland
Property, casualty and health insurance businesses of the AXA Group in the UK and Ireland. Chaired the Risk Committee of a major institutional insurer under dual PRA/FCA oversight with gross written premiums exceeding $10 billion annually.
$10B+ Annual GWP · AXA Group Subsidiary
Independent NED · Audit Committee Member
Vanguard Group (Ireland)
Vanguard's international fund platform serving investors in Europe, Latin America and Asia. Audit Committee member overseeing one of the world's largest asset managers with approximately $400 billion in international assets.
$400B AuM · International Platform
Independent NED · Audit & Risk Committee Chair
HSBC SAOG (Oman)
Chaired both Audit and Risk Committees of HSBC's listed Omani subsidiary. Guided governance strengthening and strategic repositioning, culminating in a positive exit outcome for HSBC Group and public shareholders.
MSX Listed · HSBC Group Subsidiary
Independent Non-Executive Chairman
Muscat Insurance Company SAOG
Served as Chairman during a period of institutional stress. Led the appointment of new executive leadership, oversaw regulatory engagement, and restructured governance to restore stability and stakeholder confidence.
MSX Listed · General Insurance
Advisory in Practice
Strategic Engagement Models
Six engagement models illustrating advisory work across institutional capital, (re)insurance platform development, infrastructure finance, strategic alliance structuring, and current fund construction work. Drawn from current and recent mandates; counterparties anonymised.
Advisory at the intersection of (re)insurance, infrastructure and capital markets requires an integrated perspective — deep understanding of global financial institutions, expertise in risk and capital management, and experience in platform governance. By connecting these domains, it becomes possible to unlock new sources of capital while supporting the development of innovative platforms.
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Insurance Platform Development · Emerging Markets
Designing an Institutional Insurance Platform in a High-Growth Market
Emerging markets present significant opportunities for new (re)insurance platforms where penetration remains low and digital technologies are transforming distribution and underwriting — requiring careful balancing of regulatory requirements, capital structure, technology architecture, and strategic partnerships.
Advisory Focus
Platform Architecture — Digitally native operating model integrating underwriting, distribution, and claims through advanced technology frameworks
Capital Structure — Shareholder structure balancing strategic investors and long-term financial capital in alignment with regulatory ownership requirements
Strategic Partnerships — Collaboration frameworks with global technology providers for a scalable insurance technology platform
Regulatory Alignment — Structuring the business model to meet licensing requirements while enabling innovation in underwriting and distribution
Strategic Objective
Create a new generation (re)insurance platform capable of operating efficiently in a rapidly expanding market, leveraging modern technology and data-driven underwriting models to achieve institutional scale.
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Infrastructure Finance · Institutional Capital
Mobilising Institutional Capital for Aviation Infrastructure
Global aviation is increasingly viewed as mobile infrastructure, supported by predictable lease cash flows, strong asset collateral, and long-term demand growth — creating a structural opportunity to connect aviation financing with institutional capital seeking long-duration income.
Advisory Focus
Institutional Capital Access — Aircraft financing structures compatible with insurance capital requirements, with senior secured structures and predictable amortising cash flows
Leasing Ecosystem Development — Aircraft leasing platform development within emerging financial centres seeking international institutional capital
Risk Mitigation Architecture — Credit enhancement and portfolio diversification structures to improve credit quality and reduce concentration risk
Solvency Compatibility — Ensuring structures meet Solvency II and equivalent long-term institutional investor allocation requirements
Strategic Objective
Enable aviation platforms to access large pools of global institutional capital while maintaining efficient financing structures for fleet expansion and long-term portfolio growth.
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Balance Sheet Optimisation · Risk Transfer
Strategic Risk Transfer and Capital Efficiency in Global Insurance
Global (re)insurance groups continually seek to optimise their balance sheets through capital efficiency, risk transfer, and portfolio restructuring — often requiring collaboration between insurers, reinsurers, and capital markets participants in structures that blend traditional and innovative risk transfer mechanisms.
Advisory Focus
Balance Sheet Optimisation — Structures to improve capital efficiency and risk diversification across complex multi-jurisdictional groups
Reinsurance & Structured Risk Transfer — Mechanisms reducing capital intensity while maintaining risk protection and regulatory solvency
Capital Markets Integration — Structures involving capital markets investors to complement traditional reinsurance solutions
Governance of Risk Transfer — Strategic risk transfer governed with board-level rigour and full regulatory transparency
Strategic Objective
Identify and implement structures enabling (re)insurance organisations to strengthen their balance sheets while unlocking new sources of capital and risk capacity at attractive economics.
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Strategic Alliance · Reinsurance & Insurance Groups
Strategic Collaboration Between Global Insurance and Reinsurance Platforms
Large (re)insurance organisations operate within a complex ecosystem of capital markets, alternative risk transfer, and global financial partnerships. Strategic collaboration creates opportunities to deploy capital more efficiently, access new markets, and develop innovative risk solutions unavailable to either party acting alone.
Advisory Focus
Risk & Capital Synergy — Identifying complementary strengths in underwriting expertise and capital deployment across counterparties
Structured Alliance Solutions — Joint participation structures including quota share, excess of loss, and hybrid arrangements for large-scale risk and infrastructure financing
Market Positioning — Analysing how strategic collaboration strengthens positioning, including exclusivity and regulatory pre-conditions
Identify and structure alliances capable of enhancing capital efficiency, expanding underwriting capacity, and supporting long-term growth — positioning the collaboration as a market-defining strategic partnership.
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European Institutional Finance · Flagship Alliance Structuring
Originating a Flagship European Insurance Alliance for a Global Reinsurance Leader
Growing appetite from global reinsurers and financial conglomerates for strategic equity and quota share partnerships with large European insurers — modelled on precedent transactions in other markets — creates a significant origination opportunity for advisors with the institutional relationships and technical structuring capability to connect parties and design viable transaction architectures.
Advisory Focus
Transaction Architecture — Multi-tier structure combining strategic equity participation, whole-account quota share, and long-term run-off loss portfolio transfer — delivering mutual capital, distribution, and strategic value
Target Identification & Sequencing — Systematic prioritisation of European insurance targets across multiple jurisdictions, evaluating strategic fit, financial profile, regulatory standing, and transaction readiness
Regulatory Pre-Conditions — Exclusivity clause analysis, multi-jurisdiction regulatory approvals, VQF and advisory licensing, and tax structure optimisation
Originator Positioning — Structuring the advisory mandate to position the originator as exclusive intermediary, with clearly defined fee economics across exclusivity, mandate, and completion events
Governance & Work Planning — Comprehensive transaction work plan including Gantt timeline, deliverables register, risk register, and counterparty engagement strategy
Strategic Objective
Originate and execute a landmark European insurance alliance that replicates the strategic and financial architecture of precedent global transactions — creating a market-defining partnership and establishing the originator as a category-defining institutional intermediary in European insurance capital markets.
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Current Mandate · Fund Construction & Risk Architecture
Designing a AAA-Disciplined Institutional Liquidity Capability for an Insurance and Asset Management Platform
Post-Basel III and post-NSFR market structure has reshaped institutional cash management. Bank short-term paper supply has tightened, HQLA-driven curve effects have emerged, and rate normalisation has widened dispersion across the AA+ short end. For insurers and institutional treasuries, the result is a structural opportunity for a specialist active capability — provided it can sustain rating discipline across the duration curve, deliver capital-efficient outcomes under Solvency II, and preserve treasury comfort across all tiers. Most managers cannot deliver this combination because they default to dropping the rating to capture longer-tenor margin. Accredere AG is currently designing and structuring a tailored institutional liquidity capability built risk-first to address precisely this gap.
Advisory Focus
Risk-First Framework Architecture — Integrated five-element framework spanning asset allocation methodology, limits architecture, stress-testing overlay, trading strategies and structural design — with rating-agency norms (S&P AAAm, Moody's Aaa-mf, Fitch AAAmmf) as the floor and proprietary tighter calibrations as the operating discipline
Tiered Product Construction — Standard product line spanning the operational and strategic cash continuum from daily liquidity through 24-month short-duration, AAA-disciplined at fund level at every tier; bespoke separately managed accounts for top-tier insurers and sovereign treasuries calibrated to specific Solvency II SCR profiles, IORP II eligibility, currency mix and liquidity requirements
Cycle-Weighted Yield Architecture — Disciplined active credit selection and FRN positioning operating within AAA constraints across the duration curve, complemented by primary-secondary execution and proprietary structural elements that capture durable margin from post-Basel III market dynamics rather than from rating compromise
Capital Efficiency & Solvency II Calibration — Tier 1 HQLA dominance for capital-neutral allocation; matching-adjustment eligibility for annuity portfolios; SCR-tuned construction across spread risk, concentration and counterparty modules; AAA fund-level rating preserves universal eligibility under treasury and CIO investment guidelines
Currency & Client Segmentation — CHF and EUR as priority currencies reflecting structural under-supply of specialist active capability; GBP for UK insurance and matching-adjustment relevance; USD selectively for GCC sovereign and institutional treasury and for European insurance balance sheets with USD liability books
Platform Integration & Operational Design — Calibration onto institutional-standard investment management infrastructure (fund accounting, NAV, MMFR reporting, native Solvency II SCR feeds and NSFR position reporting), reducing implementation to integration rather than parallel build
Positioning Discipline — Focused liquidity capability cleanly distinct from credit and SAA/TAA products, eliminating internal cannibalisation; deliberate avoidance of yield-enhancement framings that invite the wrong competitive comparison; anchored on AAA discipline as the value proposition rather than chasing flagship status
IP & Commercial Architecture — Framework architecture, content separation, and commercial terms structured so that the proprietary discipline infrastructure remains owned by Accredere AG and is deployed under bilateral licensing and oversight arrangements with the host platform
Strategic Objective
Establish a tailored, AAA-disciplined institutional liquidity capability — delivered through a host platform under bilateral commercial framework — that captures durable margin from post-Basel III market structure without compromising rating discipline. The capability is designed to serve European insurance and reinsurance treasury, European private banks and external asset managers, GCC sovereigns and institutional treasury, and European pension fund liquidity — positioned as the cross-cutting entry product that supports the host platform's broader insurance, pensions and institutional franchise rather than competing with it.
These engagement models illustrate the structure and approach of representative mandates. Specific outcomes, timelines and counterparties remain subject to confidentiality.
Advisory Practice
Experience-Based Strategic Advisory
Accredere AG provides institutional advisory mandates to boards, C-suites, and ownership groups across financial services in Europe, India and the Middle East. Every engagement is grounded in decades of lived executive accountability — not frameworks derived from it.
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Banking & Credit Advisory
A perspective rare in advisory mandates focused on (re)insurance and capital markets — the disciplines of credit, lending and balance sheet management that underpin all institutional finance, drawn from twenty-six years of executive practice across Citibank, Dresdner (via Allianz) and EFG, plus current and recent NED mandates at AIB, The Co-operative Bank and HSBC SAOG.
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Corporate Strategy & Capital Solutions
Supporting C-suites and boards across (re)insurers, asset managers, wealth managers, banks and fintech platforms in redefining sustainable business portfolios. Includes growth strategy, portfolio mix reviews, strategic M&A, and capital and fundraising advisory.
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Cross-Sectoral Risk Advisory
A defining differentiator: identifying and navigating second-order risks and opportunities that arise precisely because of connections between sectors — banking, (re)insurance, asset management, wealth, and platforms. Boards engaged in cross-sector expansion or multi-line governance benefit directly.
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Risk Management & Governance
More than 20 years of C-suite CRO experience across the full spectrum of financial services. Practical expertise in risk strategy, appetite-setting, three lines of defence, risk architecture, and governance frameworks. Full-cycle implementation across complex global institutions.
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Regulatory Strategy & Engagement
Personal accountability across twelve Tier-1 regulatory regimes. Advisory and implementation support for de-novo regulated entity set-ups, licensing changes, and complex multi-regulator engagement during periods of growth or transformation.
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Institutional Franchise Development
Hands-on engagement with CEOs, CROs, CIOs and Treasurers of global (re)insurers, asset managers, banks, asset owners and sovereign-linked entities. Elevating governance and risk transparency from compliance mechanisms into franchise-building tools.
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Digital Risk & AI Governance
Advisory board roles at Agnostic Intelligence (AI-powered third-party risk management) and Leaseteq (SaaS digital leasing). Challenges boards to govern AI and data analytics as strategic assets — enhancing institutional judgement rather than treating technology purely as a risk vector.
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ESG & Sustainability Governance
Track record of achieving top-decile ESG outcomes by aligning sustainability strategy with business strategy. Risk and Sustainability Committee oversight of net-zero commitments, stakeholder reporting frameworks, and ESG-linked capital allocation across listed institutions.
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(Re)Insurance & Platform Strategy
Specialist experience in (re)insurance balance sheet optimisation, platform structuring, and alternative risk transfer. Advising on the design and governance of (re)insurance platforms, wealth and asset management platforms, and hybrid structures.
Current Ventures
Building the Next Generation of Financial Institutions
Alongside advisory mandates, Raj is actively engaged in building and governing institutional platforms — including a category-defining venture in Indian insurance, his Zurich-based advisory practice, and an advisory role at a leading European AI risk technology firm.
Co-Founder · India
P&C AI-Native Insurance Company
IRDAI Licensing in Progress · India
Co-founder of a new property and casualty insurance company being established as India's first truly AI-native insurer under IRDAI regulation, designed to serve the vast and underserved Indian insurance market at scale. The company is architected around 50+ pre-built AI agents, an event-sourced data platform, and a forward-deployed engineering model — enabling consumer and commercial products to launch simultaneously in Year 1. Distribution strategy includes a Bima Vaahak women-agent programme and institutional shareholder relationships providing renewal book access for immediate scale.
Founder & Principal · Switzerland
Accredere AG
High-Level Institutional Advisory · Zurich
Swiss advisory entity pursuing institutional finance mandates at the intersection of (re)insurance, capital markets, wealth and asset management platforms, and governance. Current mandates span European (re)insurance alliance strategy, board succession advisory, and institutional transaction origination.
Advisory Board · Switzerland
Agnostic Intelligence
AI-Powered Third-Party Risk · Zurich
Advisory board member of Agnostic Intelligence, an AI-powered third-party risk management platform helping financial institutions govern vendor and counterparty risk through advanced data analytics and AI-driven surveillance.
Executive Career
Global Executive Footprint
C-suite and senior executive positions spanning banking, (re)insurance, asset management, wealth management, and platform development across four decades and four continents.
Citibank N.A.First City National Bank of HoustonAllianzSwiss Reinsurance CompanyStandard Life Aberdeen (abrdn)EFG Bank AGHSBCR3 (Blockchain)Bombay DyeingViessmann
Banking & Financial Services Expertise
Real Estate, Mortgages & Business Banking (Citibank — NY, London, Brussels, Düsseldorf)
Commercial Lending & Corporate Credit (US & European Markets)
Consumer Banking & Retail Financial Services
Investment Banking, Private Banking & Private Capital
Structured Finance, Securitisation & Capital Markets Products
Credit Risk, Balance Sheet Management & Regulatory Capital
Solvency II, SST, Basel III & Multi-Regulator Governance
Institutional & Industry Leadership
Founding Chair, Global CRO Forum
Chair, International Financial Risk Institute
World Economic Forum Delegate — 5 Consecutive Years
Industry Forum Leadership on Basel, Solvency II & Systemic Risk
Direct Engagement with Global Regulators on Capital Frameworks
Advisory Roles in AI Governance & Digital Financial Infrastructure
Regulatory Regimes — Personal Accountability
PRA & FCA — UK (Standard Life Aberdeen, Co-operative Bank, AXA)
FINMA — Switzerland (Swiss Re, EFG Bank AG, Accredere AG)
BaFin & EIOPA — Germany / Europe (Allianz, Dresdner Bank)
Central Bank of Ireland & ECB/JST — Ireland (AIB Group, Vanguard Ireland)
Federal Reserve & OCC — United States (Citibank N.A.)
Central Bank of Oman & CMA — Oman (HSBC SAOG, Muscat Insurance)
DFSA — DIFC, UAE
CSSF · IRDAI — Luxembourg, India
Contact
Engage Raj Singh
Accredere AG accepts a small number of high-level advisory and board mandates annually. Engagements are pursued selectively, with a focus on institutions where Raj's cross-sector experience creates measurable and lasting strategic value.
