About Us: Mani Company is one of the most well-known companies in the Kingdom of Saudi Arabia. Over the course of 30 years, the company has amassed a highly diversified investment portfolio spanning numerous industries, including debt collection, contracting, operation and maintenance, security guards, ready-mix concrete plants, and vehicle towing.

Our Services:

1. Operation and Maintenance: We offer multidisciplinary expertise and a multinational workforce for over several years in the field of technical construction services. We also currently provide human resources to the National Commercial Bank and Siemens, according to their requirements.

2. Collection: We undertake the task of settling and collecting all outstanding financial or in-kind debts, overdue or bad, whether from the government, banks, companies, associations, or individuals, knowing that the need for such activity appeared in the world more than a hundred years ago in other countries that preceded us.

3. Security Guards: Mani Security Guards' policy is based on meeting the security and safety requirements of its clients in a manner that satisfies their aspirations and desires. This is achieved through continuous monitoring of the latest developments in the world of modern technology at the regional level and continuous presence at international conferences and exhibitions in this field to keep pace with developments that positively impact our performance and the level of services we provide.

4. Contracting: Mani Contracting Company has proven its capabilities in the field of contracting, which is the most competitive sector. Through wise management, highly efficient human resources, and a strong presence, it has been able to establish a significant share in this field. For 29 years, Mani Contracting Company has implemented major and distinguished national projects in the fields of contracting and infrastructure over the past years.

5. Law: Mani Law Firm and Legal Consultations is a professional firm licensed to provide legal services by the Ministry of Justice in the Kingdom of Saudi Arabia.

Our Vision: A brighter future for everyone around us.

Our Goal: We look forward with passion and enthusiasm to continuing our approach by working with our partners towards sustainable development and a brighter future. We are proud of our presence in the economic landscape, committed to our role as a national entity that supports transformation, and as a system with unique humanitarian initiatives that play their role towards their communities in harmony with the goals of the Kingdom's Vision 2030, and that meet the aspirations of the state, may God protect it.

Waseera is a FinTech company specialized in mortgage, investments, and savings services. Our main product is a user-friendly platform that unlocks the value of assets and offers investment and saving services through collateralized mortgage loans.

At Waseera FinTech, we are helping individuals and businesses monetize their untapped assets. Through cutting-edge technology, we provide fast, secure, and inclusive financial solutions that bypass traditional banking limitations and empower customers to achieve their financial goals.

Our vision is to establish ourselves as the leading player in the debt industry, while our mission focuses on leveraging innovation to create new opportunities for our customers in the market. Guided by our core values—customer-centricity, innovation, social impact, agility, and growth—we are committed to delivering solutions that enhance financial well-being.

Aligned with Saudi Vision 2030, Waseera plays an active role in fueling economic growth, supporting home ownership, and enabling financial inclusion across the Kingdom. Whether through tailored mortgage solutions, investment opportunities, or savings products, we aim to enrich the lives of our customers and contribute to a thriving digital economy.

ClearGrid

Your Trusted Partner in Credit Risk, Collections, and Recovery Solutions

ClearGrid is a leading provider of end-to-end credit lifecycle management solutions, trusted by lenders who prioritize stability, compliance, and performance. We specialize in delivering seamless, reliable support during times of operational disruption, ensuring your portfolios stay protected and your customers remain engaged.

With a proven track record in flawless activations, automated engagement strategies, and white-label SaaS solutions, ClearGrid combines deep industry expertise with cutting-edge technology to unlock value across the credit value chain. From early-stage collections and borrower engagement to legal escalations and back-up servicing, our offerings are designed for resilience and results.

Our core services include:

• Collections & Recoveries: Early-stage collections, automated and hybrid (AI + human) engagement
• Credit Management Solutions: White-label platforms, omni-channel borrower communications, and portfolio oversight
• Escalations: Skip tracing, legal notices, and execution orders for high-potential accounts
• Back-up Servicing: Flexible setups, continuous monitoring, and rapid activation when needed

At ClearGrid, we don’t just manage credit — we future-proof it.

AW Holding INT'L was built on a foundation that spans 28+ years of in-depth industry knowledge, with past 15+ years' experience in the international market across 150+ countries, which invented its own B2B Debt Settlement Supply Chain - across AW Marketplace in AW UAE, AW Oman, AW KSA, AW Qatar, AW Egypt, and AW CBC.

QUALCO is the software and technology arm of Qualco Group, with over 25 years of experience in delivering solutions for the financial sector. Serving clients in more than 30 countries across Europe and the Middle East, QUALCO empowers banks, financial institutions, and other organisations to manage credit and loans effectively while ensuring full regulatory compliance.

By leveraging advanced analytics, artificial intelligence, and digital technologies, QUALCO’s software solutions support every stage of the credit and lending value chain — enhancing customer experiences, improving operational efficiency, and enabling sustainable growth in a rapidly evolving financial landscape.

Advanced Financial Solutions (AFS) is a specialist risk-advisory, consultancy, and automation solutions firm headquartered in Bahrain and serving the Middle East & North Africa (MENA) region. Established in 2000 as part of the MIDIS Group, AFS brings over two decades of expertise across credit, finance, compliance, and risk management.

Operating in more than 20 countries with over 200 successful projects, AFS offers a comprehensive portfolio of advisory services including IFRS 9, Basel frameworks, ICAAP, ILAAP, credit modelling, ALM/IRRBB, ESG, and Stress Testing. Their software and automation solutions span credit scorecards, model automation, audit tools, and analytics frameworks.

AFS has developed its proprietary AVRA Suite—including AVRA Default Statistics, AVRA Obligor Risk Rating, AVRA Risk Audit, and AVRA Scorecard Manager—designed to enhance model governance, regulatory compliance, and credit-risk analytics for financial institutions.

With a strong regional foundation, AFS uniquely combines strategic advisory capability with robust software and automation ecosystems, enabling banks and financial institutions to modernize risk frameworks, meet regulatory expectations, improve data governance, and achieve measurable outcomes.

AFS is also the regional partner for global leaders such as Wolters Kluwer, WorkFusion, and InRule. Through InRule, AFS has developed ready-to-deploy Retail, SME, and Collections scorecard solutions that can be fully automated within InRule’s decisioning engine, enabling fast, accurate, and scalable lending decisions.

Levers helps B2B companies reduce overdue payments, accelerate cash collection, and boost cashflow. Our software integrates with your accounting system and streamlines your accounts receivable process using personalized reminders, cross-team collaboration tools, and collection performance analytics.

Pio-Tech is a leading System Integrator and Business Solutions Provider across the Levant, GCC, North, and East Africa. With a futuristic vision and a proven history of innovation, Pio-Tech delivers comprehensive digital solutions for both Banking and Non-Banking sectors. Their team of expert consultants and specialists focuses on advanced analytics, process optimization, digital transformation, and cutting-edge technologies to empower institutions and enhance community living standards.

We are Qemma Collection, a leading company specializing in debt collection services with efficiency and professionalism. Our company is distinguished by a specialized and highly qualified team with extensive experience and competence in the debt collection sector.

Mutalabah is a leading debt collection company and part of the Abdul Latif Jameel Group. Licensed by the Saudi Central Bank (SAMA), Mutalabah provides professional collection services to financial institutions across the Kingdom. With an experienced team, advanced systems, and a customer-first philosophy, Mutalabah delivers efficient, technology-driven collection solutions that ensure an exceptional client experience.

Taswia Debt Collection Company, established in 2005, has successfully recovered more than 700 million Saudi Riyals for its clients. The company provides professional collection services across multiple sectors, including financial institutions, telecommunications, production and service industries, motor-vehicle merchants, academic institutions, and other sectors throughout the Kingdom.

With a highly experienced team of collectors, supervisors, and managers—each with over 17 years of expertise in debt recovery—Taswia is recognized for its strong performance, industry knowledge, and commitment to supporting clients in collecting outstanding debts.

Aman Debt Collection Co. is a leading Saudi Arabian debt collection firm with over 18 years of experience in debt recovery, risk management, and financial performance enhancement. The company provides ethical, innovative, and tailored collection solutions designed to help organizations achieve sustainable financial stability.

Aman offers a comprehensive suite of services including professional debt collection, legal consulting, portfolio risk analysis, and proactive portfolio management—leveraging advanced technologies and a highly skilled team to deliver consistent and measurable results.

With a commitment to transparency, compliance, and operational excellence, Aman supports clients across multiple sectors in strengthening financial health and reducing risk.

InRule Decisioning Platform is an AI decisioning company offering integrated decisioning, machine learning, and process automation solutions for enterprises. The InRule® Intelligence Automation Platform empowers IT and business teams to make faster, smarter decisions, operationalize machine learning, and streamline complex workflows — driving productivity, revenue, and exceptional business outcomes.

More than 500 global organizations rely on InRule for mission-critical applications. Since 2002, InRule has delivered measurable impact across industries through accessible and scalable automation technologies. Learn more at the official website.

Two Side Media Production Company is a Saudi media agency specializing in the creation of high-quality visual content. With deep artistic expertise and strong storytelling capabilities, the company produces films, advertisements, and media projects that blend cinematic creativity with rich cultural depth.

Driven by a passion for impactful narratives, Two Side Media transforms concepts into compelling visual stories that elevate brands and connect with audiences. Their team combines advanced production techniques with cultural insight, ensuring every project reflects authenticity, innovation, and exceptional quality.