Our leaders embody a can-do spirit, take a balanced approach to every challenge and strive to make a real impact across markets and asset classes.
We’re not big fans of hierarchies or structures that keep management separate from the rest of the company. But we do believe in the power of leadership, in setting down a vision that drives business forward, and in creating a culture that inspires everyone to be their best.
, module_title=Meet our global leadership team, module_title_size=h1_dynamic_title}, type=module, custom_module_fields={card_config_option={card_style=grid_card, card_text_align=center, content_height=tall, grid_layout=3_wide, image_height=tall, image_style=image, module_align=center, slide_per_view=3}, card_group=[{card_info=Fraser was part of the small team that originally started Pepper Advantage back in 2012. Today, he has full responsibility for business performance across all Pepper Advantage operations.
, card_title=Fraser Gemmell, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49862567391, href=https://www.pepper-advantage.com/fraser-gemmell-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Fraser Gemmell, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Frazer%20Gammell.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Anna has been working in the finance sector for more than 20 years. Since joining Pepper Advantage in April 2022, she has taken on responsibility for the financial direction of the entire business, overseeing teams across all nine jurisdictions.
, card_title=Anna Agafonova, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49863755989, href=https://www.pepper-advantage.com/anna-agafonova-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Anna Agafonova, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Anna%20Agafonova.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Martin has been with Pepper Advantage since 2012. As Group Chief Operating Officer, he is the executive lead on all major projects and operational activities.
, card_title=Martin Frazer, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49933621477, href=https://www.pepper-advantage.com/martin-frazer-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Martin Frazer, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Martin%20Frazer%201.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Tavona is in charge of making credit investments in support of Pepper Advantage’s servicing activities across all its jurisdictions, ensuring that investment are made in line with a coherent strategy for capital consumption.
, card_title=Tavona Chihambakwe, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49933621490, href=https://www.pepper-advantage.com/tavona-chihambakwe-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Tavona Chihambakwe, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Tavona%20Chihambakwe.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Tracy leads the People and Culture function globally across Pepper Advantage. Her responsibilities include setting strategy and direction and overseeing HR best practice to enable a high-performance culture throughout the business.
, card_title=Tracy Davies, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250879, href=https://www.pepper-advantage.com/tracy-davies-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Tracy Davies, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Tracy%20Davies%201.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Aaron is responsible for the development and growth of Pepper Advantage’s global offshoring centres, creating the ideal professional environment to provide unmatched end-to-end support for our clients.
, card_title=Aaron Milburn, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250888, href=https://www.pepper-advantage.com/aaron-milburn-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Aaron Milburn, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Aaron_Milburn_211019_17309.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Sinead joined Pepper Advantage in 2021 and is responsible for the strategic enhancement of data and analytics across all business units.
, card_title=Sinead Okosi, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250894, href=https://www.pepper-advantage.com/sinead-okosi-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Sinead Okosi, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Sinead%20Okosi%201.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Jerry has worked with Pepper Advantage since September 2013, and serves as the highest-ranking figure of legal authority across all jurisdictions.
, card_title=Gerald (Jerry) Parascandolo, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49933621717, href=https://www.pepper-advantage.com/jerry-parascandolo-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Jerry Parascandolo, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Jerry%20%20Parascandolo%202.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=
Jo’s key role is to support the business and maintain a clear, strategic vision for growth and value creation by driving a customer-first culture and enhancing the brand globally.
, card_title=Joanne Thrift, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250916, href=https://www.pepper-advantage.com/joanne-thrift-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Joanne Thrift, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Joanne_Thrift_211019_0094.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}]}}Our leaders embody a can-do spirit, take a balanced approach to every challenge and strive to make a real impact across markets and asset classes.
We’re not big fans of hierarchies or structures that keep management separate from the rest of the company. But we do believe in the power of leadership, in setting down a vision that drives business forward, and in creating a culture that inspires everyone to be their best.
Fraser was part of the small team that originally started Pepper Advantage back in 2012. Today, he has full responsibility for business performance across all Pepper Advantage operations.
Anna has been working in the finance sector for more than 20 years. Since joining Pepper Advantage in April 2022, she has taken on responsibility for the financial direction of the entire business, overseeing teams across all nine jurisdictions.
Martin has been with Pepper Advantage since 2012. As Group Chief Operating Officer, he is the executive lead on all major projects and operational activities.
Tavona is in charge of making credit investments in support of Pepper Advantage’s servicing activities across all its jurisdictions, ensuring that investment are made in line with a coherent strategy for capital consumption.
Tracy leads the People and Culture function globally across Pepper Advantage. Her responsibilities include setting strategy and direction and overseeing HR best practice to enable a high-performance culture throughout the business.
Aaron is responsible for the development and growth of Pepper Advantage’s global offshoring centres, creating the ideal professional environment to provide unmatched end-to-end support for our clients.
Sinead joined Pepper Advantage in 2021 and is responsible for the strategic enhancement of data and analytics across all business units.
Jerry has worked with Pepper Advantage since September 2013, and serves as the highest-ranking figure of legal authority across all jurisdictions.
Jo’s key role is to support the business and maintain a clear, strategic vision for growth and value creation by driving a customer-first culture and enhancing the brand globally.
Juan is responsible for developing the Spanish branch of the business, as well as leading due diligence and advisory activities, and managing relationships with Pepper Advantage’s Spanish clients.
, card_title=Juan Arsuaga, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49943338940, href=https://www.pepper-advantage.com/juan-arsuaga-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Juan Arsuaga, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Juan_Arsuaga.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Carlos is responsible for running Pepper Advantage’s operations in Spain and leading all servicing structures, including in the real estate, litigation, customer service and collection sectors.
, card_title=Carlos Herrera Boxó, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250922, href=https://www.pepper-advantage.com/carlos-herrera-boxó-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Carlos Herrera, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Carlos%20Herrera2.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Gerry is responsible for the ongoing leadership, strategy, development and success of the UK business.
, card_title=Gerry McHugh, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939250926, href=https://www.pepper-advantage.com/gerry-mchugh-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Gerry McHugh, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Gerry%20McHugh.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Cormac leads the Pepper Advantage Ireland executive team, sits on the Ireland Board of Directors, and is responsible for all aspects of the Irish business.
, card_title=Cormac Ryan, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49943338949, href=https://www.pepper-advantage.com/cormac-ryan-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Cormac Ryan, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Cormack%20Ryan%201.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=As operations and business development lead at Pepper Advantage Greece, Thomas is at the forefront of providing real estate management solutions across one of Europe’s largest territories.
, card_title=Thomas Ziogas, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49943338954, href=https://www.pepper-advantage.com/thomas-ziogas-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Thomas Ziogas, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/T.Ziogas_Original_DCS_4779_10.2021.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}]}}Juan is responsible for developing the Spanish branch of the business, as well as leading due diligence and advisory activities, and managing relationships with Pepper Advantage’s Spanish clients.
Carlos is responsible for running Pepper Advantage’s operations in Spain and leading all servicing structures, including in the real estate, litigation, customer service and collection sectors.
Gerry is responsible for the ongoing leadership, strategy, development and success of the UK business.
Cormac leads the Pepper Advantage Ireland executive team, sits on the Ireland Board of Directors, and is responsible for all aspects of the Irish business.
As operations and business development lead at Pepper Advantage Greece, Thomas is at the forefront of providing real estate management solutions across one of Europe’s largest territories.
A recent recruit to Pepper Advantage, Toshi is responsible for all group company activities in Japan, including servicing, lending and strategy consultancy.
, card_title=Toshinari (Toshi) Asano, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49939251148, href=https://www.pepper-advantage.com/toshinari-asano-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Toshinari Asano, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Toshinari%20Asano%202.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Karen joined Pepper Advantage in 2015 and is responsible for the financial services business of Pepper Advantage in China, and for looking after Pepper Advantage’s investments throughout Greater China.
, card_title=Karen Chen, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=49943338978, href=https://www.pepper-advantage.com/karen-chen-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Karen Chen, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Karen%20Cheng%202.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Mukund Kulkarni is one of the latest additions to our fast-growing Pepper Advantage family, having joined us as CEO of Pepper India Resolution Private Ltd at the beginning of July 2022.
, card_title=Mukund Kulkarni , cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=50512890862, href=https://www.pepper-advantage.com/mukund-kulkarni-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Mukund Kulkarni, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://25649236.fs1.hubspotusercontent-eu1.net/hubfs/25649236/Executive%20Photos/Executive%20Photos%20Final/Mukund_Kulkarni_Portrait.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=Aaron Milburn was appointed as the Interim Managing Director of Pepper Advantage Indonesia in October 2022, while also maintaining his current role as the Managing Director for the Pepper Advantage Hub.
, card_title=Aaron Milburn, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=58014146511, href=https://www.pepper-advantage.com/aaron-milburn-profile-2}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Aaron_Milburn_211019_17309, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://pepper-advantage.com/hubfs/Executive%20Photos/New%20Executive%20Photos%20(Cropped)/Aaron_Milburn_211019_17309.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}, {card_info=
Vaibhav has been with Pepper since January 2022 working with onshore and offshore Investors to make profitable investments and realise value.
, card_title=Vaibhav Nigam, cta_item=[{cta_group={cta_icon={loading=disabled, size_type=auto, src=}, cta_label=Read More, cta_link={url={type=CONTENT, content_id=65692410091, href=https://www.pepper-advantage.com/vaibhav-nigam-profile}, open_in_new_tab=false, no_follow=false, sponsored=false, user_generated_content=false, rel=}, cta_style=button button--primary}, cta_type=manual_cta}], facebook_link={type=EXTERNAL, content_id=null, href=}, icon_field={icon_set=fontawesome-5.14.0}, image_field={alt=Vaibhav Nigam, height=1772, loading=lazy, max_height=1772, max_width=1772, size_type=auto, src=https://pepper-advantage.com/hubfs/Executive%20Photos/New%20Executive%20Photos%20(Cropped)/Vaibhav%20Nigam.jpg, width=1772}, linkedin_link={type=EXTERNAL, content_id=null, href=}}]}}
A recent recruit to Pepper Advantage, Toshi is responsible for all group company activities in Japan, including servicing, lending and strategy consultancy.
Karen joined Pepper Advantage in 2015 and is responsible for the financial services business of Pepper Advantage in China, and for looking after Pepper Advantage’s investments throughout Greater China.
Mukund Kulkarni is one of the latest additions to our fast-growing Pepper Advantage family, having joined us as CEO of Pepper India Resolution Private Ltd at the beginning of July 2022.
Aaron Milburn was appointed as the Interim Managing Director of Pepper Advantage Indonesia in October 2022, while also maintaining his current role as the Managing Director for the Pepper Advantage Hub.
Vaibhav has been with Pepper since January 2022 working with onshore and offshore Investors to make profitable investments and realise value.