Our Story

About us

We work across multiple asset classes and product lines, including real estate, loans, credit cards, asset management and point of sale. Currently we operate out of nine jurisdictions, with over 1,250 skilled employees representing more than 45 nationalities.

Our current management team has been in place from the outset and has driven material AUM growth to US$55 billion. Over time, Pepper Advantage has built a strong reputation for succeeding in complex regulated markets and has developed excellent industry contacts.

Our business in numbers

As at 30 June 2023

Assets under management (USD)

55bn

Institutional clients

125+

Funding transactions

80+

Loans managed (since inception)

5.5m

Countries

Asset classes

Employees

1400

Building tech capabilities

We’re investing heavily in our scalable IT structure, providing diverse asset class coverage, including comprehensive API integrations to multiple lenders and retailers, fully integrated workflow and CRM systems and cloud-based data warehousing.

We’re about to launch our game-changing Credit Intelligence platform – a data and analytics hub that adapts to your business needs, transforming real-time global data and analytics into valuable information so that you can make insight-driven decisions to benefit your business and your customers’ financial experiences.

Who we help

Our clients range from some of the most established and recognised incumbents
in the world to new challengers and fintechs. We service private equity and institutional investors, hedge funds, major banks, property developers, fintechs, non-bank lenders and retailers.

Our locations

We have over 90 clients throughout Japan, China, Indonesia, India, Greece, Spain, Ireland, Fiji and the UK. We are market leaders in the UK and Ireland and are growing other European profiles, and we’re well positioned to take full advantage of growth in Asia.

Japan

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

United Kingdom

Established in 2013 with offices in London and Uxbridge.

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Ireland

Established in 2012 with offices in Dublin and Shannon.

Spain

Established in 2013 with an office in Madrid.

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Greece

Following the acquisition of NAI Hellas in 2018, Pepper Advantage Greece was established with an office in Athens.

India

Established in 2019 with offices in Mumbai and Vellore.

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Indonesia

Established in 2021 with presence in 13 cities across Indonesia.

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China

Established in 2019 with offices in Shanghai and Hong Kong.

Fiji

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

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Our history timeline

Following the acquisition of GE Capital Ireland, Pepper Advantage expanded its successful business model from Australia and New Zealand into Europe.

2012
European growth was further supported by the acquisition of loan portfolios in the UK and Spain. Initially the focus was on non-performing loans.

2013
Pepper Advantage accelerated its technology investment, initially building out CRM and workflow capabilities across the UK, Ireland and Spain.

2015
Further client verticals were added as Pepper Advantage continued its growth across multiple asset classes and product lines.

2016
Pepper Advantage continued its European expansion entering the Greek market with the acquisition of NAI Hellas, a specialist business of commercial property advisors.

2018
Pepper Advantage established servicing platforms in India and China, providing a loan-servicing and resolution business with expertise in investment management.

2019
Pepper Advantage’s agile tech capabilities and flexible approach came into its own, developing fast solutions for people impacted by the pandemic.

2020
Expansion continued with the acquisition of Millennium Holdings KK in Japan and setting up Indonesia’s first global loan-servicing platform.

2021
We established the first outsourcing centre in Suva Fiji under the Advantage Hub offering.

2022
Expanding our credit technologies capabilities, we acquire an AI-driven credit assessment tool previously known as Rieom.ai

2023

Our awards

Pepper Advantage is a multi-award-winning company. Our entrepreneurial spirit, teamed with a desire to help people reach the most advantageous financial outcomes, and a drive to get the best results for our clients, have seen us scoop up several gongs for excellence.

our-awards-mortgage-finance-gazette-2021

How we see things

"With our data and analytics tools, we can help our partners focus on future portfolio risks and opportunities, not just historic reporting. We turn data into insights that improve performance and customer experience."

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Sinead Okosi

Head of Data and Analytics
"We know regulation is here to stay and will only become more pervasive. Our new platform will unlock a core differentiator for Pepper Advantage – the transparency and accuracy regulatory regimes require."

Martin Fraser

Chief Operating Officer
"We want to help our customers to be aware of changing circumstances, to understand their options and feel a sense of control and optimism as we help them manage their situations."

Joanne Thrift

Group Head of Customer and Brand
"This is an exciting time for Pepper Advantage as we expand our company and empower people all over the world. We’re creating opportunities in rapidly expanding Asian markets for challenger banks and fintechs, and we’re supporting product innovation in developed territories with deep credit insights. Our innovative, entrepreneurial and client-driven culture makes us the ideal global partner."

Fraser Gemmell

Pepper Advantage Group CEO

The future

Pepper Advantage brings together the latest in tech capabilities and an empathetic approach to business. Our goal is to enable our clients to take advantage of new revenue opportunities, improve operational efficiencies and stay a step ahead of market rivals. Powered by cutting-edge technology and data and analytics, we enable our partners to forecast trends, predict behaviour and make better decisions faster.