Birbal AI

Itimaan · ائتمان · Credit risk

Counterparty credit risk in one platform, with AI agents your credit team controls.

Itimaan brings counterparties, limits, exposure, letters of credit, guarantees, assessments and approvals together. Agents watch exposure, read documents and draft credit memos; your analysts, approvers and credit committee make every decision. The whole platform, including the AI models, runs on your servers.

Book an Itimaan demo See how it works
  • Exposure across receivables, LCs and guarantees
  • Breaches forecast seven days ahead
  • AI runs on your servers

Itimaan · Command center

On-premises

Exposure

AED 4.2B

all entities

Limit utilisation

71%

Projected breaches

2

next 7 days

  • Counterparty A · tradingUtilisation 96% · breach forecast in 4 daysWatch
  • Limit increase requestAssessment drafted · policy check passedApproval
  • Letter of credit expiringCover gap against next shipment12 days
Credit memo drafted by agentSources cited · analyst review requiredDraft
Illustrative screen with sample data

Authorized vendor to

  • Ministry of Finance
  • Ministry of Interior
  • DGE Abu Dhabi
  • Etihad Aviation
  • EDGE Group

Delivered for

  • Hindustan Unilever
  • Nokia
  • Linde
  • USA Today
  • JSL

Procurement-ready

  • Emirati national company
  • National ICV certificate
  • Abu Dhabi Government Procurement Gate
  • UAE Ministry of Finance, federal procurement
  • Registered ADNOC vendor

Why it matters

Credit exposure spread across spreadsheets and systems

Large groups sell on credit through many entities. Limits live in one place, invoices in another and guarantees in a third.

No single exposure figure

Receivables, letters of credit and guarantees sit in different systems, so the group total is assembled by hand.

Breaches found afterwards

A limit breach is noticed once the order has shipped, when there is little left to do about it.

Slow, undocumented approvals

Limit requests move by email, and months later nobody can show why a decision was made.

What Itimaan does

From onboarding a counterparty to the committee pack

Counterparty 360

One register with classification, lifecycle status, internal and external ratings and the group hierarchy.

Limits

Limits by counterparty, group, instrument and currency: approved, provisional, temporary or suspended, with full history.

Pre-deal check

Sales teams check a planned deal against the limit in seconds, before they commit.

Exposure explorer

Real-time and batch exposure by counterparty, group, currency and entity, with drill-down from the group total to one invoice.

Forecasts and scenarios

Seven-day breach forecasts, a scenario lab for stress tests, and concentration and IFRS 9 expected credit loss views.

Letters of credit and guarantees

Registers that read SWIFT MT700, 707, 760 and 767 messages, track amendments and show expiry ladders.

Credit assessment

Qualitative and quantitative assessments on a versioned scoring methodology, with every justification cited.

Approvals and committee

Routing by amount, rating and delegation of authority, approval from Teams or mobile, and a live committee session with drafted minutes.

Data feeds and reconciliation

Loaders from your ERP and trade systems, an exception queue with root causes and a daily reconciliation.

AI agents

Agents recommend and draft. People approve and sign.

Each agent works at an autonomy level you set, shows its reasons, sources and confidence, and can be paused at any time.

Watch

An early-warning agent watches exposure, ratings and feeds, and flags projected breaches with an owner.

Read and draft

Agents extract financials from documents, draft credit memos and prepare committee packs from a sealed snapshot.

Check

A policy checker reviews every request against your credit policy, and a data steward proposes fixes for feed errors.

How it works

A limit request, start to finish

  1. 01

    Check

    A requester runs a pre-deal check and submits a limit request with the reason.

  2. 02

    Assess

    The analyst reviews the assessment the agent drafted, edits it and records a recommendation.

  3. 03

    Approve

    Approvers decide by delegation of authority; a requester can never approve their own request.

  4. 04

    Monitor

    The new limit is live, exposure is tracked against it and alerts go out before a breach.

Who it’s for

Built for groups that sell on credit

Corporate treasury

Treasury and credit control teams in energy, industrial and trading groups with many entities.

Trade finance desks

Teams that manage letters of credit and bank guarantees from many banks.

Finance leadership and audit

CFO offices and auditors who need exposure and decisions they can trace.

Licensing

License Itimaan for your own network

Itimaan is sold as a software licence, not a one-off project. You choose where it runs; the product, updates and support are the same.

On-premise licence

Runs on your servers

Install Itimaan in your data center, in your private cloud tenant or on an isolated network with no internet connection.

  • Annual licence, priced by the number of entities and users
  • Your data never leaves your network
  • Installation, training and updates included
  • Support with agreed response times

Hosted evaluation

Try it before you install

A hosted Itimaan environment with sample data, so your team can test it on its own scenarios before installation. Production always runs on your network.

  • Sample data only, never your records
  • Your scenarios walked through with our specialists
  • Moves to your servers when you are ready

The price depends on the number of entities and users and the support level. We reply within one business day and send a written quote after a short scoping call.

Track record

Trusted by UAE government entities and global brands.

Authorized vendor to five UAE government entities, with projects delivered for Hindustan Unilever, USA Today, Nokia and Linde.

Startups and enterprises served by our engineering teams
150+
Startups and enterprises served by our engineering teams
Average rating on Clutch, Trustpilot and Glassdoor
4.9/5
Average rating on Clutch, Trustpilot and Glassdoor
Client satisfaction rate
98%
Client satisfaction rate
UAE government entities we are an authorized vendor to
5
UAE government entities we are an authorized vendor to

Hear it from our clients

  • Client testimonial

    E-commerce

  • Client testimonial

    Healthcare

  • Client testimonial

    E-commerce

  • Client testimonial

    E-commerce

Security and control

Evidence for every decision

Runs on your servers

The platform and its AI models run inside your network, so prompts, documents and data stay there.

Segregation of duties

Single sign-on, role-based access, maker-checker and segregation of duties throughout.

Traceable decisions

Every figure traces to its source, and every decision to the data, analysis and approvals behind it.

Tamper-evident audit

Events are signed and hash-chained, with evidence packs for internal and external audit.

Book a demo

See a limit request go from pre-deal check to approval

We walk through exposure, a projected breach, the credit memo an agent drafts and the approval route, with sample data, in English or Arabic.

  • A live demo, not slides
  • Mapped to your ERP and policies
  • Under NDA if you need one

4.9/5 average rating · 98% client satisfaction · 150+ clients served

Book an Itimaan demo

We only use your details to reply to you. Arabic or English, as you prefer.

FAQ

Credit risk questions, answered

What is Itimaan?

Itimaan is a counterparty credit risk platform for corporate treasury and credit teams. It manages counterparties, credit limits, exposure across receivables, letters of credit and bank guarantees, credit assessments, approvals and reporting, with AI agents that assist the people who decide.

What is counterparty credit risk?

Counterparty credit risk is the risk that a customer, trading partner or bank does not pay or deliver what it owes. Companies manage it by setting a credit limit for each counterparty and tracking exposure, such as unpaid invoices, letters of credit and guarantees, against that limit.

Is Itimaan for banks?

It is designed for companies that extend credit to customers and partners, such as energy, industrial and trading groups, rather than for bank lending.

What do the AI agents do?

They watch exposure, read financial documents, draft credit memos, check requests against policy, prepare committee packs and propose fixes for data errors. They recommend and draft; people approve and sign, and each agent's autonomy level is set by you.

Does our data leave our network?

No. The platform, including the AI models, runs on your own servers, and no prompts, documents or data are sent to an outside AI service.

Which systems does it connect to?

Your ERP for receivables and orders, trade finance and SWIFT messages for letters of credit and guarantees, external rating feeds, Microsoft Teams and email for approvals and alerts, and Power BI for reporting.

Can we see why a limit was approved?

Yes. Each decision keeps the data as it stood at the time, the assessment, the policy checks, the approvals and who made them, and it can be replayed later for audit.

How is Itimaan licensed?

As an annual on-premise licence installed on your own servers or an isolated network, with installation, training, updates and support. A hosted evaluation environment with sample data is available before installation.

One exposure figure, and a record behind every decision

See Itimaan with sample counterparties, limits and approvals.

Book an Itimaan demo