ClearGrid is the collections platform for banks, BNPLs, telecoms and lenders in the UAE and Saudi Arabia. We decide the right next move on every account, work it in Arabic and English across AI voice, messaging and self-service, and leave a record your compliance team can reconstruct.
Built for collections, by collections. Built by the region, for the region.
$1.2B in loans under management · UAE & Saudi Arabia · as at Q1 2026
Custom views, per lender
The recovery funnel, live
Recovered, committed, still owed — per lender or across all of them. Every number here is a filter, so the question becomes the queue.
Explore the module →Model probabilities and the best contact window for every borrower, refreshed daily, filterable and exportable.
Explore the module →Every inbound route — inbox, tickets, disputes, calls — lands attached to its account, in a queue somebody owns.
Explore the module →Manual, campaign, inbound and AI calls in the same log on the same definitions — the only way comparing them means anything.
Explore the module →Visual journeys with draft→publish governance, and Journey GPT drafts the canvas from plain language.
Explore the module →Promises secured, right-party rate, active time against idle time, per agent — measured the same way for people as for the AI.
Explore the module →A live call with the dialect detected, every policy gate checked as it happens, and the transcript in both languages side by side.
Explore the module →Contact windows, frequency caps, Ramadan schedules and do-not-contact enforced by the engine — then exported as evidence.
Explore the module →Four bands instead of a pass mark, compliance failures counted separately, and AI-specific failure modes named — hallucination included.
Explore the module →Each portfolio in its own sealed environment with its own database and policy set. The number that matters is the last one: zero.
Explore the module →That is Command, running a real book. Bring one portfolio slice and we will show you the same views on your own accounts.
Inside Command
Live portfolio operations across the UAE and Saudi Arabia
Most collections still runs on dial counts: pressure scripts, blind timing, no memory of the last conversation. Every month it burns customers you paid to acquire, and every quarter the provision line grows.
Commission is charged on dials and letters. The incentive is volume, and volume is what you get — whether or not it collects.
No scoring, no channel preference, no timing. The customer who would have paid on a message at 7pm gets the same call at 10am as the one who never will.
A borrower who explained their situation last week explains it again. Every repeat is a customer you already paid to acquire, deciding not to come back.
What was actually said on a call sits in an agent’s note field. When the regulator or your own conduct committee asks, there is nothing to show.
Cost-to-collect rises with headcount because nothing in the operation learns. Next quarter starts from the same place as this one.
Allocations, payments and promises live in separate systems, so the recovery number is rebuilt by hand every month and nobody can audit it.
ClearGrid works every account on outcome, not activity — scoring who to reach, choosing the channel and the hour, holding the context of every prior conversation, and evidencing all of it. It runs alongside your core systems, so nothing gets ripped out.
If any of those six describe your operation, the conversation is short. We model your current cost-to-collect against Command on a slice of your book, before you commit anything.
One platform underneath. Start with one, add the rest when you are ready.
Keep collections on your side, run on our platform (Command) — one place to see the portfolio, reach every borrower and automate the strategy. Want to split it? Run part of the book yourself and give us the rest.
Explore Command → ManagedHand us the portfolio and we collect on your behalf (Allocate), paid only on what we actually recover. Nothing to install, nothing for your team to run.
Explore Allocate → ExtensionInstitutional support behind your portfolios (Securitize): back-up servicing if your servicer fails, data trustee, and support on non-performing loans.
Explore Securitize →Some borrowers cannot pay. Some will not. Some are confused, some are disputing the balance, and some simply forgot. We can tell the difference, and each one gets a different conversation. Arabic-native, on the channel that borrower actually answers, with human specialists on every hardship flag.
One engine · native in both languages
Heard from ClearGrid about an account? Resolve it directly at cleargrid.ae.
No system replacement and no big-bang cutover. We connect to your data, mirror the treatment policy you already have, and prove it on a slice before anything touches a live borrower.
Accounts flow in over SFTP or API. Your portfolio structure, buckets and reference IDs are preserved.
Every borrower is scored daily for how likely they are to pay and how likely a call is to connect. Effort follows likelihood, not queue order.
AI voice, SMS, email or a human specialist — in Arabic or English, only inside the calling hours and contact limits you set.
Take the payment, set up the plan, or agree the settlement — within the offers you have authorised.
Continuous reporting per account, and an audit trail your compliance team can reconstruct any conversation from.
Not a projection and not a vendor benchmark — a live test with a GCC lender, same portfolio, same period. Our AI voice and journeys recovered more than the human collection teams working alongside them, faster and at a fraction of the cost per account.
All of it wrapped in a security and in-country hosting layer built for regulated GCC lenders.
UAE portfolios hosted in-region. Saudi portfolios processed in-Kingdom, as committed in our DPA.
ISO 27001:2022 certified and SOC 2 attested. Certificates, scope and reports in the Trust Center.
Contact windows, frequency caps and do-not-contact applied at decision time on every channel, not left to training.
Calls recorded and quality-scored, with role-based access and an audit trail your compliance team can reconstruct.
Your CISO’s questions have documented answers. We will walk your security, compliance and conduct teams through all of it on the first call.
Start with a pilot slice, measure resolution against your current agencies, and see the numbers in weeks.
