The same account state and evidence layer that runs your collections extends into late-stage servicing and portfolio liquidity. Four modules: back-up servicing, non-performing loan securitization, credit pricing and ledger mirroring.
Command and Allocate work the accounts. Securitize is what stands behind the book — for your senior lenders, your investors and your regulator.
If your primary servicer fails, collections do not stop. We can assume the portfolio in under 48 hours, because we are already holding your data.
Non-performing loans structured and supported so they can be sold, financed or held with clean, investor-grade evidence behind them.
Recovery modelled per segment, so a late-stage portfolio has a defensible price rather than a guess.
Your servicing ledger continuously mirrored and reconciled, so the position we hold and the position you hold never diverge.
Back-up servicing keeps loan and credit servicing running when the primary servicer is disrupted — by default, by operational failure, or by a covenant breach. It protects the borrower relationships and it protects the senior lender’s position.
If the primary servicer stops performing, servicing continues and collections keep landing. That is the whole point of it.
Servicers do default and operations do fail. When servicing is disrupted the consequence is not just a gap in cash — it is compliance breaches and borrowers who stop trusting you.
Most senior lenders expect a named back-up servicer as a condition of lending, or as a condition of preferential rates. If you do not have one named, you may be paying for it in your spread.
An annual retainer is a fraction of the premium investors price in when no contingency exists at all.
Back-up servicing has traditionally meant a name in a contract and a filing cabinet somewhere. That is not a contingency.
You cannot budget for it because nobody will tell you what it costs until something has already gone wrong.
A clumsy handover produces complaints and pushes accounts further into delinquency.
Files mapped by hand, at speed, under pressure. Errors and audit risk are the default outcome.
Weeks to stand up servicing is weeks of liquidity gap at exactly the wrong moment.
Evidence assembled after the fact rather than captured as it happened, which means regulator rework.
We are not a name in a contract. We are connected, refreshed on a cadence you choose, and tested before anything happens.
Data arrives over API, SFTP or ISO 20022, with no manual mapping. The schema is agreed once and then it just flows.
Lukewarm, warm or hot — the difference is how often your data refreshes and how fast we can activate. Moving up a tier is a configuration change, not a new project.
Over a hundred and twenty automated checks find and resolve data issues during standby, not during a crisis.
SMS, email and IVR templates written to SAMA and CBUAE guidelines and pre-approved, so the first borrower message after an invocation is not drafted in a panic.
Not just custody of the data — working recovery flows, dashboards and embedded payment links from the moment we take over.
Immutable, line-item traceability on every collection and every note, so the handover itself is auditable.
Most of the work happens long before anything goes wrong. That is what makes the handover fast.
NDA, data schema exchanged, the secure channel established, and the invocation plan agreed and signed.
Systems monitored, data refreshed on your tier’s cadence, and a parallel run certified so we know the plan actually works.
A default or a breach. The invocation notice goes out and the plan you already signed comes into effect.
Data decrypted and validated, migrated, and borrower notices issued.
Full operational handoff, borrower engagement continuing without a gap, and reporting to you throughout.
A quarterly parallel run is available, and the certification is issued to you and to your investors.
The tier decides how current your data is and how quickly we can be servicing. Upgrading is a configuration change.
| Lukewarm | Warm | Hot | |
|---|---|---|---|
| Data refresh cadence | Twice a year | Monthly | Daily |
| Time to activate | Measured in weeks | Within a fortnight | Under two days |
| Borrower communications | Pre-scripted | Pre-approved | Pre-approved |
| Parallel shadow-servicing | None | Basic | Full, with weekly reports |
| Relative cost | Lowest | Medium | Highest |
| What it is for | The lowest-cost way to have a named back-up servicer at all | A contingency that is current enough to rely on | A facility where a servicing gap is not survivable |
Operational-risk continuity, servicer oversight and data integrity, data residency, consumer-protection communications, and periodic testing — each with a control behind it rather than an assurance.
Hot-tier invocation inside two days, with shadow-servicing reports produced weekly during standby.
UAE and Saudi data held in region, on infrastructure your security team already recognises.
A pre-approved multilingual message library and recorded calls, aligned to the conduct expectations in each market.
ISO 27001:2022 certified and SOC 2 attested. Certificates, registered scope and reports are available in our Trust Center.
Back-up servicing is often the first thing a lender buys from us, because a facility covenant requires it. If your portfolio already runs on ClearGrid, standing it up takes days. If it does not, we onboard your data first — that is the only extra step.
We work with fintechs, BNPL providers, non-bank financial institutions, alternative lenders, and card and personal-loan books.
Thirty minutes with our structured-credit team on your facility, your covenant requirements and which readiness tier actually fits.