Meet our global leadership team
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 Gemmell
Group Chief Executive Officer
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 Agafonova
Group Chief Financial Officer
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 Frazer
Group Chief Operating Officer
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.
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Holly Stewart
Director of People
Holly is responsible for delivering the people strategy that aligns to the company priorities and ensuring the right people are in the right roles in order to drive both business and individual growth.
Tavona Chihambakwe
Head of Credit Investments
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.
Aaron Milburn
Managing Director, Pepper Advantage Hub
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 Okosi
Head of Data and Analytics
Sinead joined Pepper Advantage in 2021 and is responsible for the strategic enhancement of data and analytics across all business units.
Gerald (Jerry) Parascandolo
General Counsel
Jerry has worked with Pepper Advantage since September 2013, and serves as the highest-ranking figure of legal authority across all jurisdictions.
Joanne Thrift
Group Head of Customer and Brand
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.
Meet our European leadership team
Juan Arsuaga
Head of Client Solutions, Spain
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 Herrera Boxó
Head of Servicing, Spain
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 McHugh
Chief Executive Officer, United Kingdom
Gerry is responsible for the ongoing leadership, strategy, development and success of the UK business.
Cormac Ryan
Chief Executive Officer, Ireland
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.
Thomas Ziogas
Chief Executive Officer, Greece
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.
Meet our Asian leadership team
Toshinari (Toshi) Asano
Chief Executive Officer, Japan
A recent recruit to Pepper Advantage, Toshi is responsible for all group company activities in Japan, including servicing, lending and strategy consultancy.
Karen Chen
Chief Executive Officer, Greater China
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
Chief Executive Officer, Pepper India Resolution Private Ltd
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.
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Aaron Milburn
Managing Director, Indonesia
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.
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Vaibhav Nigam
Head of Investments, Pepper India Advisors
Vaibhav has been with Pepper since January 2022 working with onshore and offshore Investors to make profitable investments and realise value.