Pepper Advantage is a global credit intelligence provider that accelerates its clients’ business growth ambitions with innovative data and analytics.
We have a can-do tech-enabled focus that puts our clients and their customers first, and we always push for the best solution, whatever financial journey people are on.
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.
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.
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.
Established in 2013 with offices in London and Uxbridge.
Established in 2022 as the first outsourcing centre under the Advantage Hub offering.
Following the acquisition of GE Capital Ireland, Pepper Advantage expanded its successful business model from Australia and New Zealand into Europe.
European growth was further supported by the acquisition of loan portfolios in the UK and Spain. Initially the focus was on non-performing loans.
Pepper Advantage accelerated its technology investment, initially building out CRM and workflow capabilities across the UK, Ireland and Spain.
Further client verticals were added as Pepper Advantage continued its growth across multiple asset classes and product lines.
Pepper Advantage continued its European expansion entering the Greek market with the acquisition of NAI Hellas, a specialist business of commercial property advisors.
Pepper Advantage established servicing platforms in India and China, providing a loan-servicing and resolution business with expertise in investment management.
Pepper Advantage’s agile tech capabilities and flexible approach came into its own, developing fast solutions for people impacted by the pandemic.
Expansion continued with the acquisition of Millennium Holdings KK in Japan and setting up Indonesia’s first global loan-servicing platform.
We established the first outsourcing centre in Suva Fiji under the Advantage Hub offering.
Expanding our credit technologies capabilities, we acquire an AI-driven credit assessment tool previously known as Rieom.ai
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.
"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."
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"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."
"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."
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.
Our technology puts you in the driving seat and can be adapted to suit your business needs.
Partnering with Pepper Advantage means you can predict market shifts and act fast, developing the best solutions.
With a global outlook, our tech works across all asset classes and product lines and in multiple markets and business units.
We service a diverse client base, and are passionate about helping people who are not well represented by financial institutions.
Join Pepper Advantage’s unique global-scale network and get access to rich data and analytics, and all the latest market trends and opportunities.
Our goal? To give people an edge, to help them succeed.
