Alok Tiwari (Founder and CEO)

Alok has spent over fifteen years providing risk management consulting to the financial services sector. He brings to the table an extensive experience in developing ERM Frameworks (covering credit, market, operational risks and asset liability management), conducting Basel II reviews and benchmarking risk management systems. He has also successfully implemented Basel II frameworks at large European, Asian and Middle Eastern banks. Prior to founding Aptivaa, he headed the ERM practice for one of the Big 4 consulting firms.


Sandip Mukherjee (Founder and COO)

Sandip has 18+ years of experience in implementing Enterprise Risk Management framework for Wholesale & Retail Banking with top tier Global and Regional Banks and Financial institutions USA, Europe, the Middle East and India. He is a risk management professional with a blend of both quantitative and qualitative skills, strong program management capabilities and a proven track record. He has advised various Central Banks and Capital Market Authorities in development of Stress testing, ICAAP and Risk based Supervision framework. He is a Member of Advisory Board of Chartis Research - a UK based leading research and advisory services, frequent speaker at leading risk forums organised by IFC, IIF, GARP etc. He oversees development of Aptivaa’s proprietary frameworks and accelerators for Basel III, IRB, CCAR, DFAST, IFRS 9, CECL, Model Risk Management and BCBS 239.


Ashley Cherian (Director & Delivery Head (MEA & India Region))

Ashley has several years of experience in the banking sector across the areas of credit, market and operational Risk. He has managed multi-disciplinary projects including consideration of data, analytical modeling, governance, methodology, tools and process issues. He has vast experience in assisting banks in developing roadmaps for compliance with emerging regulations, risk models’ development and validation, stress testing and reporting frameworks, asset liability management, and capital planning. He has also been a speaker at several risk management focused forums and has conducted trainings for Central banks and other regulatory authorities. As Head of Delivery at Aptivaa, he oversees project delivery, resource allocation, as well as quality assurance. A certified FRM practitioner, he holds a PGDM in Finance from Indian Institute of Management, Kozhikode.


Vibhor Mittal (Regional Director - Client Relationship (MEA Region))

He has 8 years of rich experience of working with various banks across UK, the Middle East and South Asia. He has been involved in multiple projects related to Basel II, Basel III, Credit Risk, Market Risk, Liquidity Risk, Risk Systems Vendor Selection, Model Development / Validation, ICAAP, Stress Testing & Risk based pricing. His current role includes Client Relationship management, Pre-sales, Business Development and alliances management in the region. He has also been a speaker at several risk management forums. He holds a B.Tech from the Indian Institute of Technology (IIT) Kharagpur and PGDBM (Finance) from XLRI, Jamshedpur. He also holds FRM (Financial Risk Manager) Charter by GARP.


Manoj Nayak (Principal Consultant)

Manoj has over fourteen years of experience in Risk Analytics & Consulting and cutting edge quantitative modeling to support Enterprise Risk Management Solutions for Retail and wholesale Banking. He has led End to End initiative for the Risk Analytics teams/projects for top tier Global, Regional Banks and Financial institutions helping them to drive significant positive impact to their Top Line & Bottom line as well as meeting regulatory compliance under Basel II. He currently plays an advisory role on projects within Aptivaa.


Jasjit Singh (Principal Consultant - Credit Risk)

Jasjit is an experienced banker and risk professional with a track record of over fifteen years, primarily in Credit Risk Management. Jasjit’s expertise in Credit Risk is underpinned by his experience in several global banks and rating agencies, like Standard Chartered Bank, Deutsche Bank AG and ICRA Limited (a Moody’s Investor Service associate) where he has assessed and managed credit risk on large portfolios of corporate clients. In addition, he has extensive experience in formulation of credit strategies, development of credit risk models and in structured finance transactions. He holds a Bachelor in Commerce degree from University of Kanpur and holds an MBA from the Indian Institute of Management, Calcutta.