Platform Mission
Traditional credit assessment workflows often rely on manual spreadsheets, fragmented calculations, and repetitive statement parsing. Underwriters frequently need to cross-reconcile bank cashflows, bureau repayment track records, and reported business turnover across separate tools.
CreditCore Ten brings these evaluation steps into a unified workspace. By executing initial bank statement parsing client-side in the browser and running transparent calculation engines, the platform delivers clear risk indicators, debt service ratios, and structured Credit Appraisal Memos (CAM).
Our Technical Principles
- 1.Client-Side Document Parsing: Parse banking ledgers and financial statements locally in the browser sandbox for data efficiency and privacy.
- 2.Deterministic Calculation SSOT: Financial ratios (FOIR, ABB, DSCR, LTV) are calculated by deterministic code rather than generative guesswork.
- 3.Explainable AI Intelligence: Agent Asha provides conversational guidance and answers complex policy questions based on verified case records.
Technology & Architecture
CreditCore Ten is constructed using modern web and data architectures to deliver reliable performance:
Client-Side WASM & PDF Extraction
WebAssembly-assisted parsers process statement documents locally within the browser context before structured indicators are saved.
Multi-Tenant Cloud Workspace
Built on Next.js, React, and Firebase/Firestore with granular role-based access control and tenant isolation rules.
Explainable Decision Copilot
Agent Asha combines deterministic rule engine outputs with LLM reasoning to explain debt capacities and policy deviations clearly.
Dedicated Executive, Sales & Support Leadership
From executive leadership and fintech innovation to commercial lending partnerships and parser diagnostics, our team ensures financial institutions achieve continuous reliability and high-speed execution.
Avula Srinivas
Managing Director & Founder
As Managing Director and Founder of CreditCore Ten, Avula Srinivas steers the organization's strategic vision, institutional partnerships, and fintech architecture. Under his executive leadership, CreditCore Ten builds next-generation credit decisioning systems, multi-tenant financial infrastructure, and autonomous underwriting technology for commercial lenders, NBFCs, and financial enterprises.
Thirumalesh
Sales Head • Enterprise Growth & Lending Partnerships
With over a decade of hands-on expertise in financial services sales, credit origination, and institutional distribution networks, Thirumalesh leads enterprise sales and commercial partnerships for CreditCore Ten. He drives strategic lender engagements across banks and NBFCs, scales DSA/partner distribution networks, accelerates deal velocity, and delivers tailored credit operating solutions for institutional lending teams.
Avula Alikishore Reddy
Support Engineer • Technical Operations Lead
With over a decade of hands-on experience in enterprise IT support, technical systems operations, and client infrastructure, Avula Alikishore Reddy leads customer and technical operations for the CreditCore Ten team. He specializes in resolving high-priority client escalations, diagnosing banking ledger parsing anomalies, managing multi-tenant deployments, and ensuring institutional lending teams experience uninterrupted platform uptime.
Data Governance & Operating Disclaimer
Data Privacy & Local Memory: Unsaved financial PDF ledgers analyzed during exploratory sessions reside in volatile browser memory. When cases are formally saved, structured data is stored within isolated database partitions.
Underwriting Formula Standards: Debt-to-income estimations (FOIR), Average Monthly Balance (AMB), and turnover methods mirror established Indian credit appraisal practices.
Platform Nature Disclaimer: CreditCore Ten is a software technology tool intended for authorized credit analysts and underwriting professionals. CreditCore Ten is not a lender, banking institution, non-banking financial company (NBFC), or credit rating agency, and does not make final lending decisions or issue credit facilities.