FiscalLogix
We build enterprise level Fiscal intelligence software for institutions – rooted in decades of real experience and designed for the complexity of modern day fiscal aspects of operations
FiscalLogix is an enterprise software company involved in building intelligent software solutions. BankCIS™ is one of our software solutions built specifically for Banks.. We operate at the intersection of institutional credit knowledge and modern software — creating platforms that bring structure, intelligence, and governance to banking credit operations.
Our work is grounded in one conviction: that banking credit deserves a software built specifically for it — not tools adapted from elsewhere.
"To move banks from fragmented credit workflows that remain in silos to unified, intelligent, governed decisioning."
Credit operations in most banks remain a collection of disconnected systems, manual processes, and siloed data. FiscalLogix exists to change that — by delivering a platform that brings structure, intelligence, and governance to every stage of the credit lifecycle.
How BankCIS™ is crafted differently.
Most credit platforms are workflow tools. BankCIS™ is a decision making system — built around how credit actually gets approved, administered, and monitored inside a bank.
Workflows built for how credit actually works
BankCIS™ reflects the real mechanics of commercial credit — appraisal logic, sanction structures, covenant tracking — not a generic process engine applied to banking.
Governed decision making by design
Every approval, delegation, and exception is captured, traceable, and auditable. Governance is not a feature layer — it is built into the foundation.
Continuous, not periodic, monitoring
Post-sanction monitoring runs continuously — flagging covenant breaches, collateral gaps, and early stress signals before they become portfolio problems.
Intelligent, not just automated
BankCIS™ encodes credit judgment into its workflows — structuring decisions, surfacing risks, and guiding actions in ways that generic automation cannot.
Built by people who ran the credit desk.
FiscalLogix is built by seasoned banking professionals — not technologists who discovered finance, but credit practitioners who have shaped real-world credit decisions.
The founding team brings leadership experience across Chief Financial Officer, Corporate Controller and Chief General Manager roles at leading financial institutions, spanning commercial credit, risk management, governance, and institutional operations.
This expertise is not a backstory — it is encoded directly into BankCIS™. Every workflow, approval structure, and monitoring module reflects how credit actually functions inside a bank.
The team behind BankCIS™.
Mr. Kuncheria is a distinguished financial and software professional with nearly 4 decades of service at Federal Bank, where he specialized in credit and foreign exchange portfolios.
Mr. George John is a seasoned banker with over 4 decades of experience, having served as CFO and Chief General Manager at Federal Bank and as Corporate Controller at IDBI Federal Life Insurance. His expertise spans branch management, Treasury, Planning, Credit, Foreign Exchange, Risk Management, and Accounts.
Mr. Marshal brings over 3 decades of extensive operational and leadership experience spanning manufacturing, publishing, security, franchising, logistics, and project management. He has held prominent positions in esteemed organizations across Botswana, Zambia, and India. His academic background is in Mechanical Engineering.
Mr. Ashish George John is a strategy and product executive with nearly two decades of international experience in insurance and financial services.
Mr. Jacob is an engineering leader with nearly two decades of experience shaping technology vision and engineering strategy while leading the design, development, and delivery of large-scale enterprise software platforms.
Enterprise Credit Intelligence Platform for Banks. From Credit origination to its Lifecycle Management System.
BankCIS™ operationalizes the expertise of the FiscalLogix founding team — transforming institutional knowledge into a scalable, configurable platform for modern banking credit operations.