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 30 June 2023
Loans managed (since inception)
Asset classes
Countries operating
Active portfolios

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.

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

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.

Borrower satisfaction

No matter where we operate in the world, we understand that navigating financial matters can be complex at times for your customers.  We've assembled knowledgeable and friendly customer service teams to guide and support borrowers at every step of their journey. Our commitment to service shines through in the ratings we consistently receive from them.




Patience and understanding


I must say since you took over my mortgage, I’m so grateful for your patience and understanding, as I was very nervous initially. The experience has been a pleasure.


Rahul, Mumbai



Keep doing what you are doing


Keep doing what ye are doing, everyone at Pepper must be the best to deal with. You are very friendly people.


Ignacio, Barcelona





I was very impressed with the way my query was dealt with and the required documents were in the post the following day.

Morgan, London





The person I spoke to was very professional and polite and helped me set up a direct debit for my payments.


Keith, Dublin



Positive and polite


I found the person positive, polite and professional.


Henry, Jakarta



Very understanding


I always find the staff very helpful and very understanding of the issues that are required.


Jessica, Madrid

Case studies

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

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