Frequently Asked Questions

CMS Holoul is a UAE-based credit management and business process outsourcing (BPO) company founded in 2012. We provide end-to-end solutions including debt collection, customer engagement, workforce outsourcing, digital transformation, healthcare solutions, and marketing services across the UAE, Egypt, Jordan, Lebanon, and India.

Our headquarters are in Ajman, UAE. We also operate offices in Egypt, Jordan, Lebanon, and India — giving us regional coverage and the ability to provide multilingual support across the MENA region and beyond.

Yes. CMS Holoul is a UAE-licensed company and holds ISO 27001 and ISO 27002 certifications for information security management and controls. We operate under the regulatory oversight of relevant UAE authorities and comply with data protection laws in every jurisdiction where we operate.

We serve a wide range of industries including banking and financial services, telecommunications, real estate, government entities, healthcare, and utilities. Our 500+ partners include major institutions across the MENA region.

We offer six core service lines: Collections & Recovery, Customer & Sales Engagement, Workforce Outsourcing, Digital Transformation, Healthcare Solutions, and Marketing Services. Each is tailored to the specific needs of our clients. Visit our Services page to learn more about each one.

Our collections process follows a structured approach: we begin with data analysis and account segmentation, then apply multi-channel contact strategies including calls, SMS, email, and field visits. We use advanced analytics to prioritise accounts and maximise recovery rates while maintaining full regulatory compliance and treating debtors with respect and professionalism.

Absolutely. With over 500 team members across five countries, we have the infrastructure and experience to manage large-scale BPO operations. We've been trusted by leading banks, telecom providers, and government entities to handle high-volume projects with strict SLAs and quality benchmarks.

Our teams are fluent in Arabic, English, Hindi, and Urdu, among other languages. This multilingual capability allows us to effectively serve diverse customer bases across the MENA region and the Indian subcontinent.

Getting started is easy. You can reach out through our Contact page, email us at b2b@creditors.net, or call our UAE headquarters at +971 6 711 6400. Our business development team will work with you to understand your needs and propose a tailored solution.

Our onboarding process typically includes an initial consultation to understand your requirements, followed by a proposal and scope of work agreement. Once signed, we set up dedicated teams, integrate with your systems where needed, and begin a pilot phase before scaling to full operations. The timeline varies based on project complexity.

Yes. Every client has unique challenges, and we pride ourselves on creating bespoke solutions. Whether you need a dedicated collections team, a custom CX strategy, or a complete workforce outsourcing model, we tailor our approach to fit your goals, budget, and industry requirements.

We implement industry-standard security measures including encryption of data in transit and at rest, multi-factor authentication, regular security audits and penetration testing, and comprehensive staff training on data protection. Our ISO 27001 and ISO 27002 certifications reflect our commitment to the highest standards of information security. For more details, please review our Privacy Policy.

CMS Holoul does not sell, rent, or trade personal data. We may share information with affiliated entities, trusted service providers, or regulatory authorities only when required — and always under strict confidentiality agreements. Full details are available in our Privacy Policy.

Visit our Careers page to view current openings and submit your application directly. We regularly hire for roles including Collections Agents, Team Leaders, Field Visitors, HR Recruiters, Quality Specialists, Telesales Agents, and more across all our offices.

We foster a collaborative, performance-driven environment that values professional growth, diversity, and innovation. Our teams span multiple countries and cultures, and we invest in continuous training and development to help every team member reach their full potential. Visit our Team page to meet some of the people behind CMS Holoul.