Frequently asked questions.

ClearGrid is an AI-native debt resolution platform. It ingests your delinquent accounts, builds one live state per account, decides the next-best action — channel, timing, message, offer, escalation — and executes it across AI voice, SMS, email, a self-service portal and human specialists. Every outcome is tracked, logged and fed back into the strategy.

One engine, operated your way: Command (the platform your team runs), Allocate (ClearGrid operating as your collection agency), or Hybrid. Securitize adds late-stage and structured-credit support, and agency management for third-party panels is a module inside Command.

AI powers segmentation and risk scoring, contact-strategy decisions, behavioural predictions, compliant voice conversations, and workflow decisioning. On high-volume early-stage books, up to 95% of resolution runs without manual work — inside policies you define, with every decision logged. Late-stage recovery stays far more human, by design.

Yes. AI voice agents make automated, compliant, natural-sounding calls in Arabic and English, working entire portfolios in a day, improving right-party contact and driving faster resolution. Identity verification and disclosure requirements are enforced on every call.

Yes, the engine is built for scale. Automation carries the volume while giving you full visibility across the portfolio. ClearGrid manages $1.2B in loans under management today.

Yes. Command includes a full rules engine for configuring actions, triggers, segments and escalation paths, plus contact windows, frequency caps and offer eligibility. The engine operates strictly inside your configuration.

Allocate is priced on performance, tied to what we actually resolve. Command is licensed as a platform, flexible by portfolio size, usage and modules. In the first call we model both against your current agency and operating costs so you can compare like for like.

Most organisations onboard in 2–6 weeks, depending on data availability, compliance validation and process complexity. You start with a pilot on a portfolio slice, measure against your current setup, then expand.

Secure APIs, SFTP pipelines, or custom connectors, supporting real-time and batch ingestion with automated reconciliation. Nothing is replaced; ClearGrid runs alongside your core systems. Pilots typically start with a flat-file extract.

Yes. Run part of your portfolio on Command with your own team and hand the rest to Allocate, split by product, DPD stage or geography. Same engine, same account states, same reporting across both.

Yes. Command functions independently for fully internal collections. If you do work with agencies, Command’s agency-management module routes accounts on performance and keeps every agency on one evidence trail.

Traditional systems optimize activity: more dials, more messages. ClearGrid optimizes outcomes: it decides the right next move per account and executes it across every channel from one account state, with AI-first automation, real-time dashboards, borrower trails, predictive modelling and GCC-native compliance built in.

ClearGrid operates in the UAE and Saudi Arabia. We are ISO 27001:2022 certified and SOC 2 attested, we host data in-region, and we contract to Saudi PDPL through a signed DPA. Conduct rules — contact windows, frequency caps, do-not-contact and required disclosures — are configured to each lender's policy and each market's requirements. Certificates and scope are in the Trust Center. Details on the security page.

All data is encrypted at rest and in transit, hosted in regional data centres, and secured with multi-layered access controls, audit logs and enterprise-grade cybersecurity measures.

You do. You set the policies, contact rules, permitted offers, escalation thresholds, and the engine operates strictly inside them. Every decision is logged, and human specialists handle hardship, disputes and anything flagged for review.

The right channel at the right time, an SMS they can act on, an AI voice call in Arabic or English, or a self-service portal where they resolve on their own terms. Borrowers rate the experience 4.8 out of 5. More on the customer experience page.