About Jaya Ratnani, Founder & MD

Freed Financial Services is led by its Founder Jaya Ratnani who also known as the Debt Doctor.

Jaya is a dynamic and results-driven entrepreneur with over 25 years of experience in the financial services industry, specializing in Mortgage Debt Management, Corporate Debt Management, Debt Collection, Credit Policy, Sales, and People Management. She has a proven track record of success across Banking ,Real Estate and hospitality sector.

A financial services professional with experience in banking, mortgage finance, credit policy, remedial risk, and recoveries across the UAE. Her career spans senior roles at Dubai properties and Abu Dhabi Commercial Bank providing her with deep familiarity with regulatory standards, lender risk frameworks, and borrower-side financial realities.

She brings a multifaceted skillset to the table. Her deep understanding of financial solutions allows her to craft win-win solutions for both borrowers and lenders, prioritizing workable strategies for a successful resolution. Combining her expertise with exceptional communication and negotiation skills.

Jaya is a proven leader with a knack for sales and business development, excelling at building and nurturing strong partnerships.

Jaya was part of the initial set up of the Dubai Properties group to drive property sales for key projects such as JBR, Executive towers, Bay square, Culture village & The Villa. Managed a client base of 400+ high net worth individuals to drive sales & investment opportunities in UAE. Her broad experience, combined with her finely-honed interpersonal and communication skills, makes her an asset for any organization facing debt challenges. Her ability to understand the complexities of debt management, coupled with her proven track record of success, positions her to deliver the best possible outcomes for both lenders and borrowers.

Company Overview

Freed Financial Services LLC is a UAE-based firm specializing in commercial and mortgage debt solutions. We help borrowers manage and resolve financial obligations by structuring optimal solutions with banks—without resorting to legal proceedings. Our expertise lies in closing and restructuring commercial and mortgage liabilities through effective remedial strategies, ensuring mutually beneficial outcomes for both borrowers and financial institutions.

In addition to debt management, we provide Mortgage Brokering Services, assisting clients in securing suitable home financing solutions aligned with their financial profiles. Our Credit Review Services involve a comprehensive assessment of individual and business credit profiles, enabling clients to understand their borrowing capacity and improve approval prospects.

Furthermore, through our Financing Brokerage Services, we offer advisory support to identify appropriate lenders based on funding requirements for working capital & trade finance. Our mission is to empower clients to overcome debt challenges and achieve lasting financial stability. We strive to help clients navigate their finances with clarity, confidence, and control.