Risk governance, built for the next kind of risk.
Miovault partners with banks, NBFCs and housing finance companies on enterprise risk, AI governance and technology risk — and turns those frameworks into working studios your team can run.
Purpose-built studios for defensible risk decisions.
Miovault converts advisory-grade frameworks into working, browser-based studios — for board reporting, evidence capture, workflow discipline and audit-ready disclosure.
ESG Studio
BRSR, the RBI climate-risk pillars and PCAF financed emissions, assembled into one working disclosure engine with a full evidence trail.
ERM Studio
A living risk register, risk-and-control self-assessment and a board-approved appetite — connected, so a change in one updates the rest.
ICAAP Studio
Translate material risks, capital forecasts and stress scenarios into a connected ICAAP assessment with clear governance and board-ready outputs.
Model Risk Studio
Model-risk governance made operational: a live inventory, independent validation, ongoing monitoring and effective challenge — offline-capable.
Credit / Concurrent Audit Studio
Coming soon — concurrent audit, case grading and risk-based pricing controls for every loan in one review engine.
Three practices. One discipline: defensible risk decisions.
We sit at the intersection of governance, data and technology — built for organisations that answer to a board, a regulator, or both.
Enterprise Risk & Governance
Risk appetite frameworks, portfolio surveillance, ERM operating models, and board-grade reporting that withstands regulator and audit scrutiny.
Applied AI & Model Governance
AI use-case design, model risk management, LLM guardrail testing, and trusted-AI frameworks that satisfy both innovation and control mandates.
Technology & Cyber Risk
IT risk assessments, cyber resilience, third-party and vendor risk, data governance and control design across regulated environments.
Get ahead of the risk before it reaches the agenda.
A short working session, no slide deck required — just the risk you're trying to get ahead of, and the studio that answers it.
Request a briefingESG Studio
Turn BRSR, the RBI climate-risk pillars and PCAF financed emissions into one disclosure engine — with the evidence trail that survives assurance.
What it does
ESG reporting fails when the framework lives in one place and the numbers live in another. ESG Studio holds them together: every disclosure line is wired to its indicator, its source and its evidence, so a BRSR return, a climate-pillar assessment and a financed-emissions figure all draw from the same book.
It reads the frameworks the way a reviewer does — pillar by pillar, indicator by indicator — and keeps the working papers attached, so what you table is what you can defend.
Sustainability and risk teams at banks, HFCs and NBFCs preparing regulatory ESG disclosure and climate-risk submissions.
See ESG Studio on your own numbers.
A short walkthrough on your own reporting boundary — no slide deck required.
Request a briefingERM Studio
A living risk register, RCSA and risk appetite in one connected place — not three documents that disagree the moment they are tabled.
What it does
Most enterprise-risk reporting is a snapshot: a register in one file, a self-assessment in another, an appetite statement in a third. ERM Studio joins them. Assess a control and the residual risk moves; breach an appetite threshold and the register flags it.
It keeps hundreds of risks legible — grouped, scored and traceable to the control that mitigates them — so oversight is a conversation about exposure, not a hunt through spreadsheets.
Risk functions and risk committees that need enterprise risk kept current between board cycles.
See ERM Studio on your own numbers.
A short walkthrough on your own reporting boundary — no slide deck required.
Request a briefingICAAP Studio
Connect material risk assessment, capital planning, stress testing and governance into one defensible ICAAP workflow.
What it does
ICAAP often becomes a once-a-year document assembled from disconnected models, spreadsheets and committee papers. ICAAP Studio makes it an operating process: material risks are assessed consistently, capital demand is quantified, scenarios are stressed and management actions are recorded against the same reporting boundary.
The result is a transparent line from risk identification to capital adequacy, with assumptions, evidence, approvals and board conclusions held together in one controlled workspace.
Risk, finance and treasury teams at banks, NBFCs and HFCs responsible for capital adequacy, stress testing and board ICAAP approval.
See ICAAP Studio on your own capital plan.
A focused walkthrough using your reporting boundary and stress assumptions.
Request a briefingModel Risk Studio
Operationalise model-risk governance — a live inventory, independent validation, ongoing monitoring and effective challenge — and run it offline.
What it does
Model-risk policy is easy to write and hard to run. Model Risk Studio turns the guidance into practice: every model carries a tier, an owner, a validation history and a monitoring status, so the inventory answers the questions a regulator asks before they finish asking them.
Validation and challenge live beside the model, not in a separate cycle — findings, limitations and conditions of use travel with it, and monitoring flags drift before it becomes an exception.
Model-risk, validation and analytics teams operationalising supervisory model-risk expectations.
See Model Risk Studio on your own numbers.
A short walkthrough on your own reporting boundary — no slide deck required.
Request a briefingCredit / Concurrent Audit Studio
Coming soon — concurrent audit, case grading and risk-based pricing controls for every loan in one review engine.
What it does
This studio is currently marked as coming soon. It is planned as a concurrent-audit and credit-control engine for case grading, exception severity, risk-pricing gaps and portfolio-level triangulation.
Until launch, the product section captures the intended scope and allows prospects to register interest for early walkthroughs.
Credit-risk, concurrent-audit and compliance teams reviewing retail and mortgage books.
Credit / Concurrent Audit Studio is coming soon.
A short walkthrough on your own reporting boundary — no slide deck required.
Request a briefing