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Credit Management


Managing loans effectively in the modern marketplace presents lots of challenges to lenders and investors. Maintaining good client relations, investing in a skilled workforce and the latest technology, managing payments, arrears, collections and ensuring regulatory compliance takes up time and precious resources.

 

Partnering with a credit management specialist like Pepper Advantage can improve investment performance, reduce costs and allow you to focus on business growth.

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Credit management

What we offer

360º loan servicing

 

Pepper Advantage provides a proven platform to support lenders and investors' growth aspirations – but without the high fixed cost of operational set-up and ongoing requirement to invest in post-completion technology.

 

We work across a growing portfolio of asset classes and product lines in SME, commercial, residential and consumer loans, and we also manage portfolios on behalf of banks and financial institutions when they don’t have the capacity, or require additional expertise.

Partnering for performance

 

Pepper Advantage has the expertise to manage performing, reperforming, sub-performing and non-performing loan portfolios across an extensive range of asset classes.

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Multiple loan categories

We have developed proprietary systems capable of servicing small and large portfolios of loans with a full spectrum of features, from standard residential mortgages to unsecured personal loans.

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We scale as you grow

Pepper Advantage continues to invest in its data applications and technology infrastructure, so all client needs are met, no matter how bespoke. And we have a strong staff retention rate, offering the kinds of career opportunities that only a global organisation can provide.

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Best-in-class service

Our dedicated teams of experts come from servicing, property, banking, legal, technical and operations backgrounds, covering the full spectrum of skills and experience needed. We assure clients their customers will achieve the right outcomes at all times irrespective of their situation.

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Servicing and reporting with accuracy

 

Asset classes

Residential and commercial mortgages, real estate, SME loans, asset financing and leasing, auto and consumer loans, credit cards, retail finance and BNPL

 

As at 31 December 2022
Loans managed
1.0m
1.0m
Asset classes
12
12
Countries operating
9
9
Active portfolios
170
170

S&P Ranking | STRONG

 

We’ve maintained this rating since 2012 and have been included on S&P’s Global Select Servicer List

Our solutions

  • Primary servicing
  • Special servicing
  • Master servicing
  • Back-up servicing
  • Administration functions

Primary servicing

We can provide all aspects of end-to-end primary loan servicing with tailormade solutions for your requirements. This includes:
• Customer service
• Loan maintenance and administration
• Storage of documentation
• Payment processing
• Managing asset insurance and life cover
• Outreach programmes
• Reactive early arrears management
• Trace activity

Special servicing

Pepper Advantage has a reputation for expertise and success in the management of underperforming loans with teams of skilled professionals. This includes:
• Managing borrowers in accordance with local governing standards – engage, and assess cooperation, circumstances and affordability
• A full suite of restructure/forbearance strategies
• A range of consensual workout strategies
• Initiating and managing enforcement proceedings
• Asset management
• Operating effective credit framework
• Appointing and managing third-party suppliers

Master servicing

We take responsibility for the management of loan portfolios where administration and/or collections are carried out by another servicer.

 

Powered by our credit intelligence, master servicing can include contract and service-level agreement set-up and monitoring, third-party business process and performance auditing, and extensive reporting on performance and loan collateral.

Back-up servicing

If your existing servicing agreement is terminated at short notice, we can help. We work with our clients to understand their needs and the risks they are seeking to manage and mitigate, and then develop an individual solution to deliver the best outcome.

Administration functions

We reduce cost pressures by looking after back office roles. No need for expensive service centres and increasing staff rosters as you grow.

Credit management excellence

We have the capacity to manage the biggest and most complex of portfolios

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    White-label brand integration

    We provide loan servicing to 20 white-label clients, including Metro Bank and LendInvest. We’re well-versed in implementing services that reflect and protect clients’ brand identities.

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    Managing recoveries

    We drive customer engagement and improve collection rates with early- and late-stage arrears accounts. And we have particular experience with distressed and heavily impaired residential, unsecured and point of sale loans.

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    Saving costs

    Pepper Advantage’s credit-cycle processes are streamlined and efficient when it comes to managing your loan portfolio. The financial benefits of outsourcing to us and replacing a fixed-cost base with a scalable, variable one are significant.

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    Proprietary servicing applications

    We’ve developed flexible in-house systems to manage accounts through a workflow process, and we can adapt to suit client needs. Security and operational resilience are central to our service proposition.

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    Detailed performance and operational analytics

    We operate in a data-rich environment, using analytics to resolve upcoming problems, and prioritise opportunities and issues. The data and analytics inform action plans and recommendations.

Key benefits

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Supportive approach

It’s better if loan arrangements work for everyone, which is why we work hard to help people succeed.

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Holistic service

By partnering with Pepper Advantage, you know your loan servicing arrangements are in safe, compliant hands.

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Expert loan servicing

We have many years in the field, helping people on every kind of financial journey across multiple asset classes and jurisdictions.

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Supporting and building brands

We understand the power of brand and work hard to protect your voice and identity.

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Predictive capabilities

We aim to identify issues before they happen and act fast, improving outcomes for all parties.

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Can-do attitude

We work hard to find the right pathways, so people have positive financial experiences. 

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Proven results

Our approach works across performing, re-performing and non-performing loans. 

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Blue-sky thinking

Our systems are agile and responsive, meaning we can respond to today’s challenges fast.

Case studies

Find out more about how partnering with Pepper Advantage impacted operations on the ground.

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Case study
Portfolio turnaround
Snapshot
We onboarded a portfolio of about £1bn non-performing loans, helping our blue-chip client in its asset due diligence requirements, as well as efficiently executing the portfolio migration. Average monthly cash collections were 87%. However, we pushed this up to 107% in just over 12 months.
Attractive young woman working on a desktop computer smiling as she leans forwards reading text on the screen, view over the monitor
Case study
White-label solution
3 minute read
We worked closely with a well-known financial services client to understand its culture and business ethos, as well as the operational and regulatory requirements. This ensured we were able to design, build and deliver a platform and service solution to enable them to drive the performance and...
Read more
EndBorrower2-IS-1165633152
Company news
Supporting point-of-sale credit
1 minute read
15 June 2022 - Pepper Advantage moves into fast-growing point-of-sale consumer credit market; provides full credit and loan portfolio services to retailers and health care companies looking to drive growth by offering direct point-of-sale and BNLP payment options
Read more
Row of Houses in London
Case study
Growing a mortgage business safely and efficiently
3 minute read
Pepper Advantage teamed with Metro Bank to manage its rapidly expanding mortgage initiative. Pepper Advantage’s ringfenced white-label teams looked after the brand and migrated Metro Bank’s large, complex portfolio, driving business growth.
Read more

Get the full Advantage

Our goal? To give people an edge, to help them succeed.

 

For answers to your questions and information on how Pepper Advantage’s tech-enabled business model and credit intelligence can help your business grow

Talk to our experts