Increase confidence.
Accelerate growth

 

Pepper Advantage is a global credit intelligence provider operating in nine jurisdictions across the UK, Europe and Asia Pacific. We have US$55 billion in assets under management, and bring a cutting-edge data-led approach to the way we manage credit assets on behalf of our clients.

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Trusted by leading global brands 

 

We service private equity and institutional investors, hedge funds, major banks, challenger banks and fintechs, non-bank lenders, retailers and property developers, providing flexible finance and lending opportunities.

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Piraeus Bank
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LATEST INSIGHTS

UK Arrears Continue to Climb in Q4

 

The Q4 analysis of Pepper Advantage’s UK portfolio reveals that sustained pressure on borrowers is consistently flowing through into higher arrears. This trend was evident throughout 2023, and the arrears rate in the final quarter once again reached a post-financial crisis high. 

 

Discover the full report here
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Smart credit management

We’re changing the face of credit asset management with pioneering data-led intelligence that enables Pepper Advantage clients to capitalise on new revenue opportunities and improve operational efficiencies and yields. We create the best opportunities for borrowers, clients, investors and employees.

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Multiple assets across all performance grades

Working across residential mortgages, small balance MSME mortgages, large corporate, personal and auto loans, credit cards, unsecured residuals, factoring, BNPL and direct real estate asset management, Pepper Advantage pushes for the best solution, whatever financial journey a customer is on.

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Global scale. Local relevance

We bring modular services, high standards of governance, a track record of positive returns and a lender’s mindset to every portfolio in every market. And we’re trusted by some of the biggest banks and financial institutions in the world.

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AI-driven credit assessment technology

LoanGuard assesses a near limitless range of loan documents

 

Pepper Advantage has acquired LoanGuard, a specialist AI-driven credit management software platform in India. It helps with credit decisioning, identifies fraud risks and boost efficiency across a wide range of credit assessment processes.

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Our business in numbers

 

As at 30 June 2023
Assets under management (USD)
$55bn
$55bn
Clients
125+
125+
Asset classes
12
12
Countries
9
9
Funding transactions
80+
80+
Active portfolios
202
202
Loans managed (since inception)
5.5m
5.5m

We help people get ahead

Pepper Advantage’s management team has led operations from the outset and driven all growth to date. We have deep industry relationships and a strong reputation in complex, regulated markets, ably supported by local management teams in each of our nine jurisdictions.

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Customer-centric approach

Trained and experienced service agents handle customer queries empathetically, even in the trickiest situations.

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Agile response

 

Our data-led approach supports new credit-based products coming onto the market and changing credit appetites.

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Responsible service

 

Corporate compliance and a respect for regulatory frameworks are at the heart of our workflow and operating platforms.

We exist where customers and technology meet

 

There’s a lot involved: onboarding, understanding the consumer, anticipating and solving problems, responding to client strategic shifts, account management, margin squeeze, expanding portfolios, market fluctuation. Our proprietary software services multiple asset classes and makes light work of tracking performances and trends.

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Leading credit management services and technologies

As a market-leading finance business, third-party loan servicer and asset manager, we oversee a wide range of credit management services using innovative tech.

 

 

  • Credit Management
  • Credit Investments
  • Asset Management
  • Credit Technologies
  • Credit Intelligence
  • Advantage Hub

Credit Management

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Maintaining client relations, investing in a workforce and the latest tech, managing payments, arrears and collections, and ensuring compliance takes up time and resources. Partnering with Pepper Advantage reduces costs and allows you to focus on business growth.

Credit Investments

Credit Investments

We provide specialist proposition and breadth of service that covers the full lifecycle of loan servicing and asset management. As part of our bespoke credit investment strategy, we also acquire residual assets and co-invest as equity partners alongside our clients.

Asset Management

Asset Management

Our teams are experienced in direct property transactions, development, mergers and acquisitions, corporate real estate strategy, capital raising and transactional processes. We deliver results in accordance with our clients’ objectives.

Credit Technologies

Credit Technologies

Greater access to data, advanced analytics, and risk decisioning are key to the success of everyone in the credit management sector. We now have best-in-class modular and scalable solutions that can be used across asset classes, product lines and jurisdictions.

Credit Intelligence

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We’ve developed a highly intuitive cloud-based data-and-analytics platform to enable you to manage customer outcomes and portfolios across multiple assets much more effectively.

 

With real-time data and analytics, our Credit Intelligence platform transforms statistics collected from clients around the world into valuable information, so that you can make insight-driven decisions to benefit your business and your customers’ financial experiences.

Advantage Hub

Pepper Advantage Hub

The Pepper Advantage Hub delivers outsourcing services to provide efficient operational capabilities to new and existing clients beyond its traditional financial services market.

 

The Hub will offer an entire suite of back-office support functions that range from IT services such as software engineering and data analytics, to finance-related roles, customer service support, HR, marketing and administration.

Our globally expanding footprint

Across geographies, asset classes and currencies

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Japan

Japan

Following the acquisition of Millennium Holdings KK in 2021, Pepper Advantage established its presence in Tokyo, Japan.

United Kingdom

United Kingdom

Established in 2013 with offices in London and Uxbridge.

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Ireland

Ireland

Established in 2012 with offices in Dublin and Shannon.

Spain

Spain

Established in 2013 with an office in Madrid.

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Greece

Greece

Following the acquisition of NAI Hellas in 2018, Pepper Advantage established its presence in Athens, Greece.

India

India

Established in 2019 with offices in Mumbai and Vellore.

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Indonesia

Indonesia

Established in 2021 with presence in 13 cities across Indonesia.

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China

China

Established in 2019 with offices in Shanghai and Hong Kong.

Fiji

Fiji

Established in 2022 as the first outsourcing centre under the Advantage Hub offering.

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Latest news from Pepper Advantage

Whether you're looking for our latest product announcement or insights from one of our industry experts, you can find out more about what we're up to and the markets we operate in.
20 February 2024

Pepper Advantage appoints Aaron Milburn UK Managing Director

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14 February 2024

PT Pepper Advantage Services Indonesia Announces Client Partnership with PT Bank Commonwealth Indonesia in Asset Servicing 

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31 January 2024

Press Release: Q4 UK Mortgage Arrears Climb Higher

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Get the full Advantage

 

Join Pepper Advantage’s unique global-scale network and get access to all the latest market trends and opportunities.

 

Our goal? To give people an edge, to help them succeed.

 

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