A trusted partner in
Credit Management
and Business Process Outsourcing solutions

Our Journey
Founded in 2015 as a Credit Management Consultancy, IZAK 10 has grown into a comprehensive Credit and Collections Solutions provider. We have partnered with leading global financial institutions, large utility companies, and international ride-sharing services, expanding our expertise and reach.
Our Mission
We are dedicated to being a Credit Management Solutions provider, delivering technology-based solutions that leverage big data and the global expertise of our team. Our commitment is to meet the unique needs of our clients efficiently and effectively.

partnerships
Utility Provider Partnership

We have been partnering with the largest electricity provider in Pakistan for the past 7 years, demonstrating our ability to deliver effective debt collection and account management solutions. Our comprehensive approach includes various contact strategies, advanced CRM development, and innovative field staff management.
Ride-Sharing Credit Management

We provided specialized credit management assistance to a regional ride-sharing giant, focusing on recovering a large number of small dues from their partners. Our approach primarily utilized digital collection techniques to ensure efficiency and effectiveness.
International NPLs Management International NPLs Management

We are successfully managed a portfolio of international Non-Performing Loans (NPLs) for a leading financial institution in the GCC region. Our team employed advanced tracing techniques to locate customers globally and recover outstanding debts. This strategic approach not only improved the financial health of our client but also showcased our capability to handle complex credit recovery processes across different countries.
Utility Provider Partnership

We partnered with a leading financial institution in the UAE to recover dues from customers who had skipped payments. Our specialized team focused on recovering old vintages of bad debts from Credit Card and Personal Loans portfolios. By employing meticulous tracing techniques and offering forbearance solutions, we effectively settled cases that had defaulted 5-10 years ago. This comprehensive approach not only improved recovery rates but also provided sustainable financial solutions for the customers involved.
partnerships
We have been partnering with the largest electricity provider in Pakistan for the past 7 years, demonstrating our ability to deliver effective debt collection and account management solutions. Our comprehensive approach includes various contact strategies, advanced CRM development, and innovative field staff management.
- Long-Term Partnership: Collaborating with the largest electricity provider in Pakistan for 7 years.
- Debt Collection: Collected over $20 million in early and late arrears through diverse contact strategies such as telecalling, field visits, and digital collection methods.

- CRM Development: Developed a robust CRM solution for efficient account management. This system benefits both in-house and field staff by providing real-time updates and data.
- Field Staff Management: Implemented an online review system with GPS tracking of field staff via a phone app. The app includes safety features, the ability to capture photos, complete profiles, and conduct other surveys.
- Real-Time Dashboards: Provided dashboards for real-time information and dynamic work plan adjustments as needed.
We provided specialized credit management assistance to a regional ride-sharing giant, focusing on recovering a large number of small dues from their partners. Our approach primarily utilized digital collection techniques to ensure efficiency and effectiveness.
- Digital Collection Techniques: Leveraged advanced digital tools and platforms to streamline the collection process.
- Small Dues Recovery: Successfully recovered a significant number of small outstanding payments from the ride-sharing company’s partners.
- Efficiency Improvement: Enhanced the efficiency of the company’s credit management operations through digital solutions.
- Client Impact: Boosted the financial health and profitability of the ride-sharing company by ensuring timely recovery of dues.

We are successfully managed a portfolio of international Non-Performing Loans (NPLs) for a leading financial institution in the GCC region. Our team employed advanced tracing techniques to locate customers globally and recover outstanding debts. This strategic approach not only improved the financial health of our client but also showcased our capability to handle complex credit recovery processes across different countries.
- Global Tracing: Utilized sophisticated methods to track customers worldwide.
- Efficient Recovery: Successfully recovered a significant amount of money from delinquent accounts.

- Strategic Approach: Implemented tailored recovery strategies to maximize results.
- Client Impact: Enhanced the client’s financial stability by effectively managing and recovering NPLs.
We partnered with a leading financial institution in the UAE to recover dues from customers who had skipped payments. Our specialized team focused on recovering old vintages of bad debts from Credit Card and Personal Loans portfolios. By employing meticulous tracing techniques and offering forbearance solutions, we effectively settled cases that had defaulted 5-10 years ago.
This comprehensive approach not only improved recovery rates but also provided sustainable financial solutions for the customers involved.
- Skip Tracing: Utilized advanced techniques to locate and contact customers who had defaulted on payments.
- Debt Recovery: Successfully recovered substantial amounts of old, written-off debts from Credit Card and Personal Loans portfolios.

- Forbearance Solutions: Offered tailored settlement options to facilitate effective resolution of long-standing defaults.
- Client Impact: Significantly improved the client’s recovery rates and financial health, ensuring better management of their credit portfolios.