FONOON AL INJAZ · DEBT COLLECTION
From an open receivable to a closed file.
We run our clients' receivable portfolios as a managed process: segment every file, set its route and execute with discipline to closure.
AT A GLANCE
Value of Managed Portfolios
قيمة المحافظ المُدارة
SAR 8.5B+Accounts Managed
عدد الملفات المُدارة
600K+Clients (public & private)
عملاء من القطاعين العام والخاص
50+Branches in KSA
فروع في المملكة
5+Average Recovery Rate
متوسط نسبة الاسترداد
70%+Specialized Professionals
كادر متخصص
460+Years of Experience
سنوات الخبرة
12+Client Satisfaction
نسبة رضا العملاء
95%+The number before the adjective.
Figures as stated in the company’s 2026 profile.
ABOUT US
About us
Every company carries receivables that have not arrived yet — not because anyone denied them, but because the file stopped moving.
A call not followed up, an agreement not documented, a settlement not closed, a date that passed. Fonoon Al Injaz works in exactly that gap.
We receive the portfolio, segment it by aging and likelihood of payment, and assign each file its route: negotiation, rescheduling, settlement or regulated escalation. We execute, document every step, and report status in a format that needs no explanation.
We treat the debtor as a party to an obligation with a way out — never as an adversary — so our clients' customer relationships outlast the file.
Our name says it: fonoon means methods. Our job is to know which one fits your file.
- Founded
- 2012
- Paid-up capital
- SAR 10M
Our vision
01Our mission
02We run our clients' receivable portfolios as a managed process: segment every file, set its route and execute with discipline to closure — protecting every party's rights, in compliance with applicable regulations.
We see our work as a contribution to Saudi Vision 2030: stronger liquidity for businesses, greater trust in the commercial environment and a more efficient financial sector.
WHY FONOON AL INJAZ
Unlike collection built on pressure and call volume, our work rests on three things: we segment the file, set its route and document it to closure. The result is a recovered figure you can audit — and a customer relationship that stays intact.
- 01
Segment
We read the portfolio before any contact: aging, value, likelihood of payment and each file's history.
- 02
Set the route
Every file gets its route: negotiation, rescheduling, settlement or regulated escalation. No single approach for all.
- 03
Document
Every step is logged with its date and outcome, and every amount recovered appears in an auditable report.
The value we deliver
- 01Higher recovery rates
- 02Lower default rates
- 03Lower collection cost
- 04Improved cash flow
- 05Customer relationships kept
- 06Regulatory compliance
- 07Real-time, auditable reporting
- 08Reputation protected
OUR METHODOLOGY
Six steps per file — always ending in a closed, documented case.
An integrated method that raises recovery, stays within regulation and protects every party's rights at every stage.
- استلام المحفظة
Onboarding
We receive the files and verify their data is complete before any action starts.
- التحليل والتصنيف
Segmentation
We segment files by aging, value and likelihood of payment.
- تحديد المسار والتنفيذ
Route
We set each file's route and execute it across multiple contact channels.
- التفاوض والتسوية
Settlement
We reach a documented payment agreement or a suitable rescheduling with the debtor.
- التصعيد النظامي
Escalation
We refer the defaulted file to regulated procedure, protecting every party's rights.
- إغلاق الملف
Closure
We close the file once the recovered amount and every action taken are documented.
OUR SERVICES
We cover the receivables cycle across the banking and financial sector, business and government — completed by supporting legal and judicial services.
Debt collection for the banking & financial sector
- 1.1
Mortgage finance companies
Structured recovery for mortgage finance portfolios — better performance and lower default rates, within applicable regulations.
- 1.2
Finance companies
Segmented, closely followed collection for finance companies — higher recovery, shorter collection periods.
- 1.3
Banks
Specialized receivables management for banks under applicable regulatory instructions, preserving customer relationships.
- 1.4
Insurance companies
Organized recovery of insurance claims and receivables that strengthens cash flow and collection efficiency.
TECHNOLOGY
- 01
Collection management system
A digital platform that manages portfolios, tracks cases, assigns tasks and logs every action with its date and outcome.
- 02
Seamless system integration
Secure links with the systems of banks, finance companies and other entities, for accurate, uninterrupted data exchange.
- 03
Data protection & cybersecurity
Defined access rights, data encryption and adherence to the Personal Data Protection Law and cybersecurity controls.
- 04
Real-time dashboards & reporting
Portfolio performance, recovery rates and every file's status — available to the client whenever needed.
- 05
Live portfolio monitoring
Clients see portfolio activity and each file's progress through continuous updates — including the aging report, always in the same place in every report.
Aging report
Aging buckets (days)
- Recovered
- Active
- Overdue
- Escalated
- Not started
Illustrative report structure — not actual data.
OPERATIONAL MODEL
Thirteen operational stages, from portfolio receipt to archiving.
- 01Portfolio receipt
- 02Data entry, review & customer segmentation
- 03Upload to the Fonoon Al Injaz system
- 04Identify data gaps & request them from source
- 05Split files & assign to the collection team
- 06Classify customer status & set the file's route
- 07Receive & reconcile payment confirmations
- 08Update final account status
- 09Account rotation (reassignment)
- 10Identify returns & account discrepancies
- 11Regulated procedures
- 12Account closure
- 13Archiving
AML/CFT COMPLIANCE
We apply a documented AML/CFT compliance program covering the full work cycle, from client acceptance to record archiving, reviewed and updated regularly.
- 01AML/CFT policy approval
- 02Compliance management & annual plan
- 03AML/CFT risk assessment
- 04Due diligence & beneficial ownership
- 05Internal compliance monitoring
- 06Internal audit & independent review
- 07Suspicious transaction reporting
- 08Record retention & archiving
- 09Periodic staff training
- 10Employment screening standards
- 11Policy & procedure updates
Organizational structure
A board, independent internal audit and specialized departments covering collection, risk, compliance and data protection.
- Board of Directors
- Internal Audit
- Chief Executive Officer
- Collection
- Operations
- Legal
- Compliance
- Risk
- Cybersecurity & Data
- IT & Systems
- Quality & Client Care
- Finance
- Human Resources
- Support Services
- Marketing & BD
OUR CLIENTS
Entities across the banking and financial sector, government and the private sector.
- 01Banking & financial
- 02Government
- 03Private sector
- Banks
- Finance companies
- Mortgage finance
- Insurance
- Telecommunications
- Electricity & water
- Government entities
- Government lending
- Commercial receivables
CONTACT
Leave your details and a short note about the portfolio, and our team will be in touch.
- Unified number
- 920019324
- Phone
- 0112817939
- Info@finjaz.sa
- Website
- www.finjaz.sa
- Address
- Abu Bakr Al Siddiq Road, Al Wadi District, Riyadh, Saudi ArabiaOpen in Maps
We use your details only to respond to your request.