InDebted and Meedaf announce strategic partnership to transform debt resolution in the UAE. Read more

UNITED ARAB EMIRATES

Fair, transparent and modern collections for UAE consumers

An innovative and ethical solution to legacy collections practices, empowering UAE organisations to achieve better financial outcomes.
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Third-party built for modern UAE businesses

  • Shariah-compliant collections experience

    Maintain your values throughout the entire customer journey, with an experience rated 4.9 stars on average from over 2,700 Google reviews

  • Flexible, self-serve payment options

    Including customisable payment plans, digital wallets and more, our payment options can suit each customer’s unique preferences

  • Omnichannel engagement

    Deliver a connected, consistent collections journey across WhatsApp, email, voice and more
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MARCH 2025

InDebted launches in the UAE to provide modern debt resolution experiences through AI

  • InDebted partners with high-growth fintechs such as Klarna to provide their customers with empathetic, personalised repayment solutions—addressing critical demand for modern alternatives to traditional collections approaches.
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Our operations
Meet our team

  • Pierre leads strategic alignment and execution, shaping long-term priorities and driving enterprise growth, with a particular focus on scaling into the GCC. He brings over 10 years of international experience across strategy and product leadership with McKinsey & Company and the L’Oréal Group.

    Pierre Vercueil

    Executive Director, UAE & Chief of Staff

  • Jag brings extensive business and leadership experience. After successfully building and exiting Kitply, he joined InDebted as an early investor and founding team member. Now, he is leveraging his extensive understanding of the market to spearhead InDebted's global expansion across new markets.

    Jag Khangura

    Executive Director, UAE & SVP, Global Expansion

  • Stuart is an experienced sales and strategy leader, with previous roles at Macquarie and Go Cardless. At InDebted, he leads systematic new market entry – from region identification through to launch execution. Supported by creating strong relationships with market leaders, Stuart executes our global expansion strategy.

    Stuart Ahmet

    New Markets Lead

Industry-trusted compliance

  • Compliant by design

    Local regulations are built into our infrastructure by code, ensuring collections activity is consistent with applicable laws and regulations.

  • Customer engagement

    Our Customer Experience team are backed by the right incentives, custom training, robust Quality Assurance, and weekly coaching.

  • Enterprise-grade security

    Secured to global standards including ISO, SOC 2 and PCI alongside our tenured Risk and Compliance team, our solutions keep your business and customers protected.
    Access our Vanta Trust report
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Find licensing information where you operate

Our third-party solution meets all licensing and regulatory requirements in the UAE.
Result for United Arab Emirates
  • Our company operates under Commercial License No: 1391668, issued by the Dubai Economy and Tourism department

InDebted is the modern alternative to traditional debt collection agencies in the UAE. We use AI-powered, omnichannel strategies to replace legacy call-heavy methods with a respectful, customer-centred approach. With multichannel engagement across WhatsApp, email, voice and more, we deliver better results for UAE businesses while protecting customer dignity.

See the experience

InDebted’s collections solutions in the UAE align with Shariah principles. We ensure that all repayment options, communication practices and customer interactions respect cultural values. Our flexible, self-serve payment structures give customers choice and transparency, while maintaining dignity throughout the journey.

Explore Compliance

Banks, fintechs and high-growth enterprises in the UAE choose InDebted for our ability to combine global expertise with local cultural and regulatory understanding. We provide AI-powered collections that are compliant, ethical and customer-first, helping institutions strengthen customer trust while improving performance.

Read our client stories

Our proprietary AI technology analyses billions of global customer interactions to optimise every stage of the collections journey. In the UAE, this means predicting the right time, channel and tone of engagement for each customer, through WhatsApp, SMS, email or voice. AI also enables proactive vulnerability detection, helping us identify customers who may need additional support, and ensuring respectful treatment in line with local cultural expectations.

Learn more about Collect’s AI

Yes. Outbound voice is an important part of our hybrid collections strategy in the UAE. Rather than relying on call-heavy tactics, we use AI and advanced insights to determine which customers are most likely to respond to voice and focus our outreach where it will be most effective. This ensures calls are used strategically, improving results for businesses while respecting customer preferences.

Explore customer care

We work with Islamic finance institutions, banks, fintechs and consumer businesses across the UAE. Our solutions are built for high-growth organisations that want a modern, ethical and compliant alternative to traditional methods, with results that align to both business performance goals and customer expectations.

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