Vivek is the Managing Director at Aptivaa with over 14 years of experience in financial risk management and regulatory advisory. He specializes in enterprise risk, liquidity risk, IFRS 9, ILAAP, stress testing, capital adequacy, and risk governance. He partners with financial institutions to develop practical risk frameworks and regulatory solutions that strengthen resilience, support compliance, and enable sustainable growth.

Aman is a senior analytics leader with nearly 15 years of experience in designing, validating, and implementing advanced credit risk models across Southeast Asia, Europe, and the Middle East. His expertise spans Basel III/IV, IFRS 9 Expected Credit Loss (ECL), and risk scorecards. Passionate about leveraging Machine Learning and Agentic AI, Aman focuses on transforming risk modelling and Model Risk Management (MRM) workflows to make regulatory frameworks more intelligent, efficient, and future-ready. He holds an M.Sc. in Economics from the Indira Gandhi Institute of Development Research (IGIDR), Mumbai.

Tarun is a banking and risk management professional with over 20 years of experience in enterprise risk, regulatory compliance, credit risk, portfolio risk reporting, and model risk governance. He has led the implementation of Basel and IFRS frameworks, helping financial institutions strengthen risk governance and regulatory compliance. Tarun is an FRM and SCR certified professional by GARP (USA) and holds an MBA from IIM Indore.