Pre-delinquency
Bounce prediction
Flags accounts likely to default before the payment fails, so you can intervene while the customer is still current.
AI-native resolution
Close more files.Spend less.Keep the customer.
Ebra is an intelligence layer over your delinquent book. We score who is likely to pay, reach each debtor through the channel and at the hour they actually respond, and close settlements digitally — with a complete, exportable audit trail.
PortfolioLive
- Offer sent
- Negotiating
- Dispute open
- Plan active
- Settled
Recovered, cumulative23.0%of 142.6M SAR placed
JanAprJulOctDec
Negotiating now
I can't pay all of it this month.
Then let's split it over 6 — 1,447 a month.
Settled8,680
6 payments of 1,447
Illustrative portfolio. Figures are internally consistent but not a client's.
+0%
Uplift in closure rate
+0%
Higher response rate
+0%
Lower cost to resolve
Trusted by banks, telcos, insurers and financing companies across the Kingdom
The problem
Traditional collection leaks money at every stage.
By the time a file reaches a human agent, most of its value is already gone. Here's where a typical portfolio disappears — and where Ebra intervenes.
Delinquent portfolio
100%
The book you hand overContactable numbers
71%
−29Numbers gone stale or disconnectedActually reached
52%
−19Calls at the wrong hour, on the wrong channelPromised to pay
38%
−14Agent capacity caps how many conversations happenActually collected
26%
−12Promises with no follow-through and no easy way to pay
With Ebra
Three of the nine components answer these losses directly.
Reconnect — Rebuilds numbers that have gone stale, so dead files become reachable again.
Propensity to pay — Scores every file daily, so effort goes where it converts instead of down an account-number list.
Flexible resolution — Lets the customer settle or split the balance the moment they agree, with no callback in between.
26%
Collected today
31.2%
With Ebra
The end of the funnel above, with the recovery uplift claimed at the top of this page applied to it.
Your numbers
What is your current recovery rate costing you?
No projections and no assumptions about our own performance — just arithmetic on the two numbers you already know. The question that matters isn't whether AI works. It's how many recovery points are worth moving.
120M
10M500M+
11%
3%45%
Recovered today13MUncollected on this book today
Uncollected on this book today
107M- What one recovery point is worth
- 1.2M
- What five points are worth
- 6M
Straight multiplication of the figures you entered — Ebra makes no claim here about how far your rate would move. That answer needs your actual book.
So how many points can we move?
Send a de-identified sample. We score it, model expected recovery against what you're getting today, and show you the delta — before you commit to anything.
The platform
Nine components a call centre doesn't have.
Not a dialler with a dashboard bolted on. Every file is scored, routed and re-scored continuously as the debtor behaves.
Prioritisation
Propensity to pay
Every file scored 0–100 on likelihood to settle, refreshed daily. Effort goes where it converts, not down a list in account-number order.
Outreach
AI voice agent
Natural Saudi-dialect conversations that negotiate within your approved parameters, at any volume, any hour you permit — fully recorded.
Data
Reconnect
Rebuilds contactability on files where the number is dead, using compliant enrichment sources. Dead files become reachable files.
Personalisation
Adaptive outreach
Channel, tone, timing and offer adapt per debtor and keep learning from what each segment responds to.
Disputes
Dispute centre
When a customer says the balance is wrong, it arrives here as a case — not as an argument on a phone call. Chasing pauses, evidence attaches, and the outcome is recorded.
Settlement
Flexible resolution
Discounts, instalment plans and settlement letters generated inside your approved policy limits — no case-by-case approvals.
Visibility
Real-time dashboard
Recovery, roll rates, contact rates and agent performance live — not a spreadsheet that lands on the fifth of next month.
Deployment
Seamless integration
REST API or a direct connector into your core system. First cohort live in weeks, not quarters.
Visibility
Every riyal, traceable.
Your team sees portfolio health as it moves — not as it was reported last month. Finance gets recovery curves; operations gets contact and promise-kept rates; compliance gets a complete record of every interaction.
- Recovery curve against target, by cohort and vintage
- Contact, promise and kept-promise rates per channel
- Full interaction log with call recordings and consent state
- Exports that reconcile directly to your GL
Trust
Built for a regulated book.
Collections is one of the few functions where a bad process is a legal exposure, not just a bad quarter. Ebra is designed so every action is authorised, bounded and recorded.
Nafath identity verification
Debtor identity is confirmed by the national identity provider before any account data is shown.
SIMAH reporting
Settlements are reported to SIMAH, so once a file closes the record shows it as settled. We don’t remove accurate records and don’t claim to.
Complete audit trail
Every call, message, offer and payment logged with timestamp, operator and consent state — exportable on demand.
Policy-bounded automation
Models negotiate only inside limits you set. No offer leaves the system outside your approved matrix.
Encryption end to end
Data encrypted in transit and at rest, with role-based access and segregated tenancy per client.
Conduct guardrails
Contact hours, frequency caps and prohibited-contact rules enforced by the platform, not by agent discretion.
Connects to what you already run
Push a cohort by API, or connect your core system directly.
- REST API
- Webhooks
- SAP
- Oracle
- Salesforce
- Core banking
- Custom connector
Let's talk
See it against your own portfolio.
Send us a de-identified sample of your delinquent book. We'll score it, model expected recovery, and show you the delta against what you're getting today — before you commit to anything.
Call us on9200 31663