AI-Powered Collections.
Gulf-Native Expertise.
Institutional-Grade Compliance.
We recover what is owed — in Arabic and English, within regulatory boundaries, at scale no human team can match.
The Collections Challenge in the Gulf
Manual collections teams face structural limitations that technology can resolve.
Low Recovery Rates
Your team recovers 45-65% on 90+ day accounts. The rest ages into write-offs that erode your bottom line quarter after quarter.
Cultural Mismatch
Traditional agencies lack Gulf Arabic fluency and cultural nuance. Borrowers disengage when approached without understanding of Khaleeji communication norms.
Compliance Exposure
Compliance risk grows with every undocumented call. CBUAE penalties for collections violations include fines and imprisonment.
How Itmam Works
You provide the portfolio data. We provide the AI, the compliance framework, and the results.
Upload
Send us your portfolio via secure upload or API. CSV, SFTP, or direct ERP integration.
Configure
Set calling parameters, escalation rules, payment terms, and language preferences.
Recover
AI begins collections within 48 hours. Your team handles escalations that require a human relationship.
Why Itmam
Compare managed AI collections against your current alternatives.
| Capability | Your Team | Traditional Agency | Itmam |
|---|---|---|---|
| Calls per hour | 20-30 | 20-30 | 1,000+ |
| Languages | Staff-dependent | Limited | Gulf Arabic + English |
| Availability | Business hours | Business hours | 24/7/365 |
| Compliance | Manual | Agency responsibility | Hardcoded |
| Consistency | Variable | Variable | 100% |
| Time to scale | Weeks | Weeks | Minutes |
| Audit trail | Partial | Partial | Complete |
| Setup time | N/A | 2-4 weeks | Days |
Industries We Serve
Sector-specific AI collections calibrated to your regulatory environment and borrower profiles.
Banking & Financial Services
Recovery target: 45-65% → 70-80%
Reduce NPL ratios, scale personal loan and credit card collections with CBUAE-aligned compliance.
Learn more →Telecommunications
Recovery target: 40-55% → 65-75%
Recover postpaid subscriber debt at scale without damaging customer relationships.
Learn more →Real Estate
Recovery target: 60-75% → 75-85%
Collect contractor, tenant, and buyer receivables across multi-national workforces.
Learn more →Retail & E-commerce
Recovery target: 50-70% → 70-80%
Manage growing B2B and B2C credit exposure from rapid post-pandemic expansion.
Learn more →
Compliance Is Not a Feature.
It Is a Constraint We Engineer.
Calling hours enforced
CBUAE calling hour restrictions enforced at the system level. Cannot be overridden by operators.
AI disclosure every call
Every call opens with regulatory-mandated AI disclosure. This is a design constraint, not a configuration option.
Frequency limits enforced
Maximum call frequency per borrower per day and per week. Hardcoded to prevent harassment claims.
Complete audit trail
Every call recorded, transcribed, compliance-scored, and logged to an immutable audit trail.
CBUAE calling hour restrictions cannot be overridden by operators. This is a design decision, not a configuration option.
Ready to recover more?
Every percentage point of recovery improvement on a $200M portfolio generates $2M in annual benefit.