How Itmam Works
You provide the portfolio data and define the engagement parameters. We provide the infrastructure, the AI, and the compliance framework. Your team handles escalations that require a human relationship.
The Service Model
You Provide
- Portfolio data
- Call strategy
- Escalation team
- Payment terms
We Provide
- Voice AI
- Compliance engine
- Recording infrastructure
- Reporting
- 24/7 operations
- Audit trail
Four Steps to Recovery
Upload Your Portfolio
Upload borrower data via secure portal or REST API. CSV, SFTP, or direct ERP integration (SAP, Oracle).
- Name, contact, loan amount, aging, payment history, notes
- Drag-and-drop CSV or connect API
- End-to-end encryption in transit and at rest
Configure Your Parameters
Define how we engage your borrowers within your compliance requirements.
- Calling hours (within CBUAE limits)
- Maximum call frequency per borrower
- Escalation thresholds
- Payment plan terms and authority
- Language preference (Gulf Arabic / English)
- Ramadan / holiday scheduling
AI Begins Recovering
Within 48 hours of configuration, AI conducts outbound calls in Gulf Arabic and English.
- Right Party Contact verification on every call
- AI discloses identity and purpose (CBUAE required)
- Negotiates payment or payment plans
- Detects tone and frustration, escalates automatically
- Every call recorded and compliance-scored
Monitor and Optimize
Real-time visibility into every aspect of your collections operation.
- Recovery rates by aging bucket
- Call outcomes and promise-to-pay tracking
- Compliance dashboard and flagged calls
- Escalation queue for your human team
- Exportable reports for your regulators
Integration Options
Simple
CSV upload via secure portal
Best for: Getting started
Standard
REST API real-time sync
Best for: Growing portfolios
Enterprise
Direct ERP integration (SAP/Oracle)
Best for: Large-scale operations
Compliance Architecture
Every call follows this compliance chain. None of these steps can be disabled or bypassed.
Ready to recover more?
Every percentage point of recovery improvement on a $200M portfolio generates $2M in annual benefit.