Pepper Advantage Spain

Madrid, Spain
PA Spain 2

About Us


With plans to increase the business considerably over the next couple of years, Pepper Advantage Spain is a thriving part of the global Pepper Advantage organisation.


Currently, we have more than US$2.93 billion in assets under management, covering a broad range of classes throughout the Spanish market, including residential and buy-to-let mortgages, commercial real estate loans, unsecured consumer loans, buy-now-pay-later and point-of-sale financing and credit cards – and we are continuing on our upward trajectory. 


Technology that powers business success


Our proprietary servicing and portfolio-management platform, Atlas, enables us to provide end-to-end loan servicing and asset management solutions for all our clients, including banks, fintechs, hedge funds, private equity and institutional investors, as well as other specialist businesses.


As is the case throughout all of Pepper Advantage’s international jurisdictions, we exist to help our clients provide the best outcomes for their end users – while accelerating growth and supporting healthy business.


Early indicator of borrower stress increases in line with interest rates


We track a variety of data points to analyse borrower stress across our portfolio with the goal of managing risks before they emerge. This month, we’re following on our last report to see how Direct Debit Rejections (DDRs) – one of our key leading indicators –  in Spain increases with Euribor.

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Management meeting discussing borrower trends and interest rates.

Our business in numbers

As at 30 June 2023
Assets Under Management (USD)
Asset classes ( currently serving)

Our Clients


Cutting-edge delivery


We understand that customer and business needs are changing faster than ever before, and we respond to that with a data and analytics-led approach that responds immediately to market shifts and consumer expectations. There’s no one-size-fits-all explanation with Pepper Advantage Spain. We pride ourselves on engagements that are adequately assessed, tailored to the borrower and implemented by specialised staff.


Journey to success


Pepper Advantage Spain is so successful because we service loans and manage assets for our clients as if they were our own. We are also experts in balancing risk with opportunity and guiding clients who are looking to add value or seeking solid returns.


Since joining the Pepper Advantage family in 2014, we have continued to build momentum as a best-in-class servicer partnering with major international organisations including Citibank, Bankia and BBVA, among many others. 

Unposed group of creative business people in an open concept office brainstorming their next project.

Analytics-driven approach


Pepper Advantage Spain’s USP is that we take full advantage of artificial intelligence, machine learning and data and analytics, and combine all that with human-first sensibilities.


While it’s important to automate many back-office processes in decision-making and lower errors to almost zero, it’s also vital to remember that we are dealing with people’s lives. Atlas gives operations employees time to help customers with complex, large, or sensitive issues that can’t be addressed through automation. And those employees have the decision-making authority and skills needed to quickly resolve customer issues.

D&A Reporting Screens 2_New

Accurate predictions


We are precise and accurate in our predictions, which are based on granular profiles of customer segments and behaviours using hundreds of variables. By using a multitude of data sets – including online interactions, geographical information and aggregated payments behaviour – and then applying analytics to predict the needs and desires of customers, down to the level of a single individual in some cases, businesses are able to make more accurate and beneficial decisions for all parties.

Stories from Spain

11 June 2024

Pepper Advantage joins industry body ANGECO

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20 April 2023

Early indicator of borrower stress increases in line with interest rates

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Get the full advantage



If you’d like to find out more about how Pepper Advantage Spain could help your business’s success story, please click the ‘Talk to our experts’ button.


Talk to our experts