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.

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.

Tracy Davies

Tracy Davies

Group Head of HR

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 Milburn

Aaron Milburn

Group Head of Operational Fulfilment

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

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.

 

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.

Gerry McHugh

Gerry McHugh

Chief Executive Officer, United Kingdom

Gerry 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

Mukund Kulkarni

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.

Anuj Kumar

Anuj Kumar

Chief Executive Officer, Pepper Advisors India

Anuj has more than 25 years’ experience in distressed debt investments and resolutions, corporate development roles and private equity investments. He joined the Pepper Advantage team in July 2021, and a key focus is acquiring non-performing loans.

Mulyadi Tjung

Mulyadi Tjung

Chief Executive Officer, Indonesia

Mulyadi heads up Pepper Advantage Indonesia, which is the fastest-growing and most comprehensive global servicer in the country. He and his teams manage numerous asset classes, including payday, BNPL, motorcycle, car, mortgage and SME commercial loans.

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.

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.

Weerapat Kongsith

Weerapat Kongsith

Chief Executive Officer, Thailand

Weerapat is responsible for overseeing Pepper Advantage’s servicing business throughout Thailand, bringing local expertise and global insights together.