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

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

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

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.

Narrinder Edited Photo

Narinder Auluck

Chief Technology Officer

Narinder is responsible for all technology solutions across Pepper Advantage and is focused on providing alignment and leadership across all our jurisdictions, to ensure we deliver high-quality solutions for our technology and cyber-related activity.

Tavona Chihambakwe

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.

Clive Kirkpatrick

Clive Kirkpatrick

Head of Operational Fulfilment

Clive is responsible for the development and growth of Pepper Advantage’s global BPO centres. The Pepper Advantage Hub provides a one-stop-shop for clients and businesses to grow their teams and operations remotely.

Sinead Okosi

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.

Jerry Parascandolo

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.

 

Holly Stewart

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.

Joanne Thrift

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

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

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.

Aaron_Milburn

Aaron Milburn

Managing Director, United Kingdom
Aaron is responsible for the ongoing leadership, strategy, development and success of the UK business. 
 
Cormac Ryan

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

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 Asano

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

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_Portrait New

Mukund Kulkarni

Chief Executive Officer, Pepper Advantage India Pvt. Ltd

Mukund Kulkarni joined Pepper Advantage in July 2022. As CEO, Mukund is responsible for driving Pepper Advantage’s development in India, as well as maintaining the highest levels of customer service.

Aaron_Milburn

Aaron Milburn

Managing Director (Interim), Indonesia

Aaron Milburn was appointed as the Interim Managing Director of Pepper Advantage Indonesia in October 2022, responsible for maintaining the highest levels of customer service.