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 & Support Leadership
From executive leadership and fintech innovation to direct operational engineering 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.
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.