About Sheep.AI Advisory

Built by quantitative practitioners who have worked inside the institutions they now serve. Every product we build is shaped by years of firsthand experience in risk, treasury, and data engineering.

Our Philosophy

In the modern financial landscape, risk officers and treasury heads are inundated with tools that offer beautiful dashboards but lack depth. At Sheep.AI, we believe that software evaluating millions in regulatory capital and credit exposure must be built with rigorous mathematical precision — not the approximations that most vendor platforms hide behind their interfaces.

We don't build generic SaaS. Every product we deploy is a highly specialised system designed for professionals under intense regulatory scrutiny. The people who use our products are accountable to the RBI, to their boards, and to their depositors. We take that seriously.

Who We Serve

  • NBFCs: Compliant ECL calculation, structural liquidity management, and early warning for covenant risk.
  • Banks: Market risk valuation using FIMMDA methodology, front-office treasury capture, IRRBB, and ICAAP-ready capital frameworks.
  • Corporate Treasuries: FX and commodity hedging strategies led by Cashflow-at-Risk, with repo rate trajectory modelling to time debt issuances.

Our Expertise

Our models are rooted in quantitative statistics and aligned with RBI guidelines and Basel risk frameworks. From independent model validation to AI-powered senior management alerts, we provide end-to-end infrastructure that institutions can trust — and that regulators can audit.

Leadership Team

Risk, engineering and data science expertise

Ratan, Jasandeep and Devesh are IIT Bombay batchmates (2017–19). Juhi brings ten years of enterprise engineering from J.P. Morgan and others.

Ratan Kirti

Managing Director · Founder

  • Credit risk: scorecards, CECL, CCAR PPNR models
  • Market risk: FRTB, SIMM, CVA/DVA, PFE, derivatives
  • IBOR transition & FinMechanics implementation

KPMG · IDFC FIRST Bank · Citi · IIT Bombay

Juhi Gupta

CTO & Partner

  • 10 yrs across Java, AWS, Python & databases
  • Runs 20+ Spring Boot microservices at J.P. Morgan
  • Built a data platform automating 2,000+ reports

J.P. Morgan · BlueDart · Coradius · Newgen

Jasandeep Singh

CBO & Partner

  • 7 yrs in data science and analytics
  • Consulting at Accenture Strategy & Evalueserve
  • Co-founder, EduSahaj.AI

Accenture · Evalueserve · Citi · EY · IIT Bombay

Devesh Agrawal

Head of R&D

  • BI & experimentation, J.P. Morgan Private Bank
  • FinBERT sentiment models (88.2%) at Standard Chartered
  • Demand forecasting & routing at SAP Labs

J.P. Morgan · StanChart · SAP Labs · IIT Bombay

30+ Years

Combined experience

Aug ’25

Founded as an LLP

Prior experience spans J.P. Morgan, Citi, KPMG, Standard Chartered, Accenture, EY and SAP Labs — with B2B relationships across bank executives, compliance officers and risk committees.