​Precision Collections. Lower Costs. Higher Recoveries.

At Watson Capital & Consulting, we empower Canadian payday lenders to streamline their collections strategy through automated receivables management (ARM)—a fully integrated, intelligent approach to managing delinquent accounts with maximum efficiency and minimal friction.

If you're still relying on manual collections, spreadsheets, or outdated third-party agencies, you're not just working harder than you need to—you're leaving money on the table.

​

​

🔍 What Is ARM and Why It Matters

Automated Receivables Management is the modern lender’s response to increasing customer defaults and rising labor costs. It replaces repetitive, manual outreach with a systemized approach to collections that is intelligent, scalable, and compliant.

​

Built specifically for the payday lending industry in Canada, our ARM solutions enable lenders to:

​

• Respond to missed payments the moment they happen

• Launch escalation workflows based on borrower behavior

• Automate the entire follow-up and recovery cycle

• Improve customer engagement through targeted outreach

• Reduce dependency on costly, slow third-party collectors

​

​

⚙️ Our End-to-End ARM Solution Includes:

🧠 Intelligent Workflow Design

We create personalized, fully automated collections workflows tailored to your lending policies, borrower risk profiles, and repayment preferences. These workflows are based on proven borrower behavior models designed to maximize response and repayment rates.

📲 Multi-Channel Communications

We implement an outreach strategy across all relevant borrower touchpoints:

​​

• SMS: Immediate, high-open-rate messages to capture attention

• Email: Polished, branded messages with embedded payment options

• Voice Drops: Optional soft voice messages triggered at key moments

• Live Agent Handoff (Optional): Escalation to human reps when necessary

Every message is timed, structured, and delivered based on your policies and local regulations.

​

🔄 LMS & Payment System Integration

We fully integrate with your existing Loan Management Software (LMS) and payment processors, enabling:

​

• Real-time updates to borrower accounts

• Dynamic scheduling based on borrower activity

• Seamless capture of repayments, promises-to-pay, or partial arrangements

• Centralized logs for audit and compliance reviews

​

📊 Analytics & Optimization

Your ARM dashboard will reveal:

​

• Collection success rates by communication type

• Borrower response behavior by loan cycle

• Aged debt recovery trends

• Workflow efficiency metrics

We don’t just set it and forget it. We continuously optimize based on real-world results from lenders across Canada.

​

​

✅ Real Results for Canadian Payday Lenders

Lenders who implement our ARM solution report:

​

• 📉 Up to 20% reduction in default rates

• 💰 15–25% increase in monthly recoveries

• 🕒 40% drop in staff hours spent on collections

• 🔁 Faster debt cycles and better borrower re-engagement

Whether you’re handling collections in-house or outsourcing today, Watson Capital’s ARM solution will transform collections from a drain on resources to a growth lever.

​

​

🛡️ Compliance-Ready and Customer-Centric

Our solutions are designed in line with Canadian payday loan regulations, ensuring that your communications remain respectful, trackable, and compliant with the guidelines set out by the Ministry of Public and Business Service Delivery.

We help you build automation with the right tone, the right timing, and the right protections—so you can recover funds without damaging your brand.

​

​

🧠 Why Lenders Can’t Afford to Ignore ARM

If you’re still relying on manual follow-up, static emails, or outsourced collections firms, you're not just inefficient—you're vulnerable. Every delinquent borrower represents lost income, rising default trends, and a weakening portfolio.

Meanwhile, your competitors are:

​

• Recovering faster

• Operating leaner

• Leveraging data to optimize every repayment opportunity

The longer you wait, the more you lose.​​​​

Time you spend chasing missed payments is time not spent improving the thing that prevents defaults in the first place—your loan underwriting; automated collections gives you that time back.