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CLOUD DATA LLC

Banking Operations Support Company

CLOUD DATA stands as the pioneering digital service provider, esteemed and favored by numerous banking and non-banking entities across the Middle East, South Asia, and Africa regions

Field
 Verification

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Debt 
Collection

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Mystery
Shopping

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Mandoob 
Services

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HR 
Outsourcing

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Call Center
Services

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Income 
Estimation

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Digital
Forensic

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Construction 
Site Survey

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Digital Auction 
Services

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We are a process transformation company possess an independent software facility where solutions are meticulously customized to align with client specifications, devoid of any external dependencies. Technology underpins every facet of our operations, ensuring strict adherence to Service Level Agreements (SLAs) with our clientele. Our procedural workflows are meticulously designed and executed in accordance with the stipulations set forth by financial institutions, ensuring the punctual and transparent completion of outsourced activities.

Field Verification Services

High-Tech Field Visits with absolute transparency and same-day TAT for Credit Lending of SME and Salaried individuals, KYC Update, AML Check, Fraud Setup Check, Portfolio Health Check and Discreet Check Field Verification across UAE.

Coverage

Multilingual and Well Trained Banking Professional Staff Stationed Across the country in each Emirate of UAE

Controls

Electronic forms with locked access to critical fields with automatic pictures, date / time and location controls

Reports

GPS enabled Pictorial PDF reports are shared same day via portal or email after reviewed by dedicated team

CLOUD DATA is the first digital and dedicated verification services provider with presence all over the United Arab Emirates

Today one of the most important part of a financial institution’s credit approval process is a physical verification. This is done to verify whether the information provided by the customer is authentic. ​​Physical visit to the salaried and self employed applicant office for Field Verification is considered an essential aspect of a bank/financial institution’s credit and risk authorization process so that vital details about potential or existing clients can be confirmed via physical visits and other essentials in order to form a lending bond.

How it Works?

End to end lean process in five simple steps !

Visit Request

Field visit requests consisting the applicant details are sent by banks through email Attachments

Allocation

Received FV requests are geographically segregated and assigned to the agents deployed area-wise

FV Forms

Tailored forms designed as per client requirement is filled with 360 observation about business setup

Quality Check

Reports submitted electronically by the field agents are carefully reviewed by expert underwriters

Report Sent

PDF reports with CIF number as file name is submitted to bank as and when reports are ready same-day

What it is Done For?

Field Verification is done for all type of lending

Credit
Card
Personal 
Loan
Mortgage
Loan
Auto 
Loan
Business
Loan
Merchant Account Check
Fraud 
Prevention
Company 
Enlistment
Portfolio 
Health check
Bank Account Opening
Anti-Money
Laundering
KYC 
Check

Key Features

We have our own software house where solutions are tailored as per the client requirement without any third party dependency. We use technology in everything we do for SLA adherence with our clients where each process workflow is designed and followed as per bank's requirement to ensure timely and transparently completion of the outsourced activity.

Same Day TAT

We strictly maintain the same day TAT (turnaround time) with all our clients on mutually agreed cut-off times.

Completely Paperless

Entire Field Verification process is done on Android and iOS devices without any papers involvement.

Biometric Control

Special data and operation security control through biometric to ensure that only authorised agents can operate.

Instant Allocation

Allocation received for Field Visit in MS Excel format or table in Email body is immediately segregated for allocation.

Auto Timestamp

There is a ​unchangeable timestamp on every stage of Field visit initiation, conduct and submission.

Auto GPS

Geostamp of the location where  images are clicked are captured automatically without any manual intervention.

Camera Click

Field Agents do not have an option to upload pictures. Instead workplace photographs are clicked using camera only.

Time Gap Monitoring

Time gap between the visit conducted, photographs clicked and reports submitted is strictly monitored by QC Dept.

Daily MIS

Daily MIS of the received allocation with status and SLA snapshot is shared with clients for cases monitoring.

Impromptu Visits

Field visits are conducted without any prior notification as per bank advise for discreet checks.

Underwriting Done 

Reports received by the Field Agents are checked online on DED and MOHRE websites to add more values.

Live Dashboard

Each client is provided an access to the dashboard for their live monitoring of the assigned cases.

Debt Collection Services

Our team of debt collection experts  boasts extensive expertise and focuses on reclaiming debts through methods such as dispute resolution, mediation, negotiation, and settlement. We possess the flexibility to tailor our recovery approach to your specific situation and can adeptly represent either the creditor or the debtor in these proceedings.Our in-depth comprehension of the various avenues and procedural intricacies equips our team to offer effective solutions whenever possible. This encompasses exploring the potential of the UAE's judicial system as a final recourse, should the need arise.

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At CLOUD DATA, we pride ourselves on our comprehensive language capabilities, boasting a team of bilingual English, Urdu, and Arabic-speaking professionals who are integral to our call center operations. These skilled individuals are equipped to fluently communicate in multiple languages, ensuring effective and culturally sensitive interactions with our diverse clientele.To facilitate seamless communication, each member of our bilingual staff is assigned a private landline number dedicated to receiving and initiating calls. This exclusive contact point ensures a consistent and direct line of communication between our call center agents and customers, fostering a personalized and efficient experience.One of the core strengths of our approach lies in the meticulous record-keeping that we maintain. Every single phone call, whether incoming or outgoing, is meticulously documented in comprehensive logs. This meticulous logging system serves as an invaluable resource for auditing and monitoring purposes. Each call is not only logged but also preserved in audio format, capturing the entirety of the conversation.The availability of audio recordings proves to be instrumental in our commitment to transparency and quality assurance. These recordings can be reviewed by authorized personnel for audits, evaluations, and monitoring. This meticulous approach not only ensures that our communication remains accurate and compliant with regulations but also serves as a valuable tool for training and continuous improvement.In essence, our bilingual call center staff, armed with their private landline numbers, work diligently to foster effective communication. The comprehensive logging and audio recording of calls underscore our dedication to transparency, accountability, and the highest standards of service quality.

Mystery Shopping

When we know someone is watching us, we tend to behave differently. We pay attention to small things we don't usually think about, like where we put our hands or how we look on our faces. This makes us show a more careful and polished version of ourselves. But it's actually more accurate to see how we are when nobody is watching or when we don't know that anyone is. This is the main idea of mystery shopping.Mystery shoppers, who are also called secret or hidden shoppers, act like regular customers at your business. However, they are actually watching and paying attention to specific things about how your business works and what the experience is like. In this discussion, we will start by explaining what mystery shopping means and look into the good things about it, how it's done, how it's planned, and how it's put into action. This will help you make good choices, whether you're making your first set of questions for shoppers or making changes to a program you already have.

Benefits of Mystery Shopping?

Mystery shopping is a component of what we call the "Listen" or measuring phase in customer experience management (CEM). This indicates that the main aim is to gather data to generate useful insights that guide continuous enhancements. Several key advantages of mystery shopping programs encompass:

Different Methods of Mystery Shopping?

You can use the ideas of mystery shopping for any situation where potential customers connect with your brand. This implies that the approaches will differ depending on the field. Nevertheless, the most commonly used techniques are:

Mandoob Services
Documents Handling & Fulfilment

Our operational efficiency is underscored by our on-site printing and scanning facility, strategically designed to facilitate a seamless document acquisition process. This facility operates by electronically receiving the necessary documents, which are then efficiently printed using specialized equipment installed within our staff vehicles.Our adept staff members, equipped with the requisite tools, facilitate a smooth and secure transfer process. They ensure the authentication of both buyer and seller signatures during the transfer event. This hands-on approach not only ensures the legality and legitimacy of the transaction but also adds a layer of witness verification to the process.To maintain a comprehensive record and streamline communication with the relevant financial institutions, our staff members are equipped with scanning capabilities. Following the successful completion of the transfer process and the collection of signatures, the documents are promptly scanned on the spot. This immediate scanning enables us to swiftly share the signed and verified documents with the respective banks.In essence, our on-site printing and scanning facility serves as a critical link in the document management chain. It enables us to expedite the document collection process, verify signatures, and promptly share the necessary documents with banks—all while ensuring the utmost accuracy, security, and legal compliance.













We have implemented a comprehensive system for the management of document pickup, handling, and processing, which is meticulously designed to ensure a seamless experience for our customers. This system encompasses multiple stages, starting from the pickup of relevant documents, followed by careful handling and accurate processing to facilitate customer signatures.Once the necessary processing is complete, the documents are meticulously organized and returned to our customers in a meticulously reconciled format. This approach not only streamlines the document management process but also contributes to maintaining the highest level of accuracy and professionalism throughout.To provide our clients with real-time insights into the progress of their cases, we have developed a dynamic live dashboard. This dashboard offers a stage-by-stage status update for each case, granting our clients transparency and visibility into the exact progress of their document processing and related activities. This real-time tracking capability empowers our clients with the information they need to make informed decisions and manage their affairs effectively.In essence, our document management system encompasses a seamless journey from document pickup to processing, culminating in a meticulously organized and reconciled format. This entire process is made transparent and accessible through our live dashboard, allowing clients to stay informed and engaged throughout the process.

Human Resources Outsourcing Services

At CLOUD DATA, our Human Resource Outsourcing initiative is dedicated to enhancing operational efficiency and elevating business performance for companies. Our inception stemmed from a fundamental aspiration to enable businesses to harness the advantages of outsourcing, particularly when operations become too intricate or time-intensive to manage independently.Our core conviction is rooted in the belief that we can significantly contribute to any company's achievement of its objectives.  This is achieved by alleviating labor costs and complementing marketing endeavors through specialized services.

Our pool of employees is well-equipped to cater to varying needs, be it for temporary, short-term, or long-term requisites. Our HR Outsourcing services, specifically tailored for the vibrant business landscape of Dubai, UAE, offer a swift and compliant method of onboarding new employees.The individuals within our workforce are officially sanctioned employees, holding active Visas and Labor cards. Their engagement is strictly in accordance with the comprehensive standards and regulations set forth by the Ministry of Labor. This not only ensures legal compliance but also fosters a sense of security for both employees and employers.The sponsorship of these employees is diligently overseen by Alwasl International Group, a testament to the meticulous management and compliance within our operations. Our employees enjoy comprehensive payroll and HR support, alleviating administrative burdens. While our dedicated team handles the daily employee management, the overall control remains in the hands of the client, ensuring a harmonious balance between operational involvement and our expertise-driven support.

Our Clients

Since formation in 2013, we have been working with some of the most prestigious institutions across UAE and the globe. We believe in not just providing a service to our clients but also forming a relationship based on understanding our client’s requirements and then developing solutions accordingly. Keeping close communication with our clients ensures that we continue to monitor and address any situations that might arise, strengthening the relationship and the success of all our clients across every industry.

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Process Transparency

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Environment Friendly

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Regulatory Compliant

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Bespoke Solutions

Our Management Team

Fusing decades of expertise in both banking and Technology

Kamran Arif

co. Founder

Imran Qureshi

co. Founder

Saleha Serkal

Managing Director CDDC

Saaqib Malik

CEO Pakistan

Rana Asif

Head of Ops - Pakistan

Fuad Bakhsh

Chief Technology Officer

Domnic Crasto

Operations Manager

Aisha Kalsoom

Team Leader

Our Presence

UAE - PAKISTAN - INDIA - PHILIPINES - EGYPT - KSA

CLOUD DATA LLC - Headquarter in UAE

Office 209, Mohammad Al Mulla Tower, Ittihad Road, Al Nahda, Sharjah UAE.

CLOUD DATA is to the nth degree, unaided and absolutely managed by the owners themselves. We perform all the work in-house. We directly interact with our clients; this adds to the personal touch in the services we provide. We use incredible technology and tactful thinking. Our advanced technology provides greater security and faster services. Our services help to strategically prepare reports using our progressive technology. We have an attentive and well-trained staff on boarding mechanism placed in CLOUD DATA to provide the best services.Quality is our main priority and we at CLOUD DATA try our best to deliver more than expected within shortest possible time. We also hold the flag of our secured services in UAE region and have quite a few renowned satisfied clients in partnership. Our unparalleled process controls and paperless technology as well as speedy and extensive geographical reach are the reason why our services are outstanding. 

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