ClearGrid / Platform / Hybrid

Shared · You + ClearGrid

Your team and ours, on one system.

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

Book a consultation
Where the line usually falls

One book, two operators, one engine.

The most common split is by age of debt: your own floor holds the early book, and ClearGrid takes it from the point where specialist capacity starts to matter more than volume.

How a hybrid portfolio splits by days past due Accounts from 0 to 60 days past due are worked in-house by the lender's own team on Command. From 61 to 180 days past due they are worked by ClearGrid Allocate as collections. At 180 days past due and beyond, including written-off accounts, they are worked by Allocate as recoveries. All three sit on one engine that holds one account state, one policy and journey engine, one reporting surface and one audit trail. Days past due 0 – 60 DPD Your team, on Command Your own early-stage floor 61 – 180 DPD Allocate · Collections ClearGrid operates it, on your policies 180+ DPD / written off Allocate · Recoveries Late-stage and legal-adjacent work One engine, under all three One account state per borrower, shared One policy and journey engine One reporting surface, on the same definitions One audit trail, across both operations

Scroll the diagram sideways to read it →

This is where the line most often falls, not where it has to. Because both sides run the same engine, moving the boundary — or splitting on product or geography instead of age — is a policy change rather than a migration.

Three common splits.

By DPD stage

Your team works early-stage delinquency on Command; Allocate takes late-stage and legal-adjacent accounts where specialist capacity matters most.

By product

Keep cards and personal finance in-house; hand BNPL or auto-finance books to Allocate, each with its own journeys and policies, on one platform.

By geography

Operate the UAE yourself while Allocate runs Saudi Arabia, with per-market policies, languages and compliance handled by the same engine.

1
account state across both operations
1
audit trail for compliance
0
migrations if you shift the split later

Move the line whenever the numbers say so.

Because both sides run the same engine, shifting accounts between your team and ours is a policy change, not a migration. Many lenders start with Allocate, watch the platform work, then take Command in-house for part of the book, or the reverse.

The software side

Command

What your team operates: journeys, rules, agent tools, dashboards.

Explore → The managed side

Allocate

What ClearGrid operates: AI engagement, specialists, remittance, reporting.

Explore →

Find your split.

Bring your portfolio mix, we'll model where each segment performs best.

Book a consultation
Book a consultation