Precision Risk Intelligence for India's Financial Institutions
Sheep.AI is the quantitative partner that makes complex regulatory and treasury math simple. We build institutional-grade systems for professionals under regulatory scrutiny.
Industries Served
Built for the Highest Standards
NBFCs
Comprehensive solutions including ECL, scorecard modeling, ALM, NSFR, IRRBB, and Lamb-Da early warning systems.
Banks
Full market risk suite, front-office treasury systems, FIMMDA valuation, IRRBB, ICAAP, and regulatory ECL.
Corporate Treasuries
Advanced FX and commodity hedging driven by CFaR, repo rate predictions, and PAT-to-EBITDA impact simulation.
Advisory Services
Nine Practices. One Partner.
Beyond our software products, our advisory team embeds directly with your BIU — delivering models, audits and strategies that are yours to keep.
Customer Lifecycle Scorecards
Application, Behavioural and Collection scorecards — developed and independently validated, RBI model-risk ready.
Retail Acquisition via School Platform
80,000+ pre-scored parents on our mobile app. Intent-verified leads for short-tenure PL and education loans at a fraction of DSA cost.
Customer Lifetime Value Models
NPV-based CLV estimation at customer and segment level — so you can justify acquisition spend to your CFO with a number, not an argument.
Supply Chain Finance Underwriting
Anchor-based credit models that extend working capital to your dealer and distributor networks, fully aligned with RBI SCF guidelines.
Geography Early Warning System
RBI UCCS/RCCS data tracking district-level decile migration — flagging portfolio stress 2–3 quarters before it shows in your internal MIS.
LLM-Powered Collection Agents
Conversational AI across voice, SMS and WhatsApp that handles early-bucket outreach autonomously — with clients seeing 30–40% lower cost per recovered rupee.
Every engagement starts with a free two-week portfolio diagnostic on your own data.
Our Solutions
Institutional-Grade Risk Infrastructure
ECL Engine & Scorecard
Expected Credit Loss (IFRS 9/IndAS 109) statistical engine with PD, LGD, EAD modeling and vintage analysis.
Market Risk & Treasury
FIMMDA valuation, VaR (historical, parametric, Monte Carlo), CVA, and front-office deal capture.
AI Native Datalake
Lamb-Da System — unified data lake with smart ingestion, early warning triggers, and NPA prediction pipelines.
IRRBB & ALM
Asset-Liability Management, gap analysis, NSFR, ICAAP, and structural liquidity statement automation.
FX & Commodity Hedging
End-to-end CFaR-led strategy design, hedge ratio optimisation, and scenario simulation.
Macro Trend Tracker
RBI DBIE integration pulling UCCS/RCCS survey data for stress testing and scenario analysis.
The Sheep.AI Difference
Growth Oriented Risk
In the modern banking ecosystem, "Risk Management" has too often become synonymous with "Institutional Friction." We believe that when a Risk Department defaults to a control-freak mindset, it isn't just protecting the bank—it is capturing it.
- Risk management must actively enable sustainable business growth.
- Opportunity losses deserve measurement alongside traditional risk exposures.
- Strong institutional culture outweighs excessive performative compliance mechanisms.
- Effective risk management empower faster, decentralized decision-making safely.
Get in Touch
Discuss your regulatory and quantitative needs with our experts.