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
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.
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.
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.
Ratan, Jasandeep and Devesh are IIT Bombay batchmates (2017–19). Juhi brings ten years of enterprise engineering from J.P. Morgan and others.
Managing Director · Founder
KPMG · IDFC FIRST Bank · Citi · IIT Bombay
CTO & Partner
J.P. Morgan · BlueDart · Coradius · Newgen
CBO & Partner
Accenture · Evalueserve · Citi · EY · IIT Bombay
Head of R&D
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.