Major Banks

Giving banks competitive advantage


Pepper Advantage has the credit management knowledge and technology to help major banks evolve their business models and stay competitive. The rules are changing, and as customer expectations grow and interactions evolve, so major banks need to rise to the challenge. We understand the unique issues that this throws up for incumbents with complex legacy systems.


Trusted by leading major bank brands

Piraeus Bank
Bank of India
NatWest Group
Bank of Greece
Bank Sampoerna
City Union Bank

Challenging the challengers


New companies are reinventing everything from payments and money management to lending and financial planning. Many customers expect to be able to organise their lives with the device in the palm of their hand, but Pepper Advantage also understands the value of an empathetic, human approach, and the need to build trust and loyalty.

We have robust tech icon

We have robust technology

With our rigorous and flexible technology we are able to onboard the biggest and most complex portfolios.

We have strong governance icon

We have strong governance

Our portfolio and operational reporting, data and analytics support a highly governed and compliant environment.

We take care of your brand icon

We take care of your brand

With our ringfenced teams, we adopt your brand and deliver on its service proposition. We protect and enhance reputations.

We are experienced with banks icon

We are experienced with banks

For more than a decade we have partnered with some of the biggest banks in the world, providing the infrastructure and backbone.

How we work with major banks


Asset classes

Residential and commercial mortgages, SME loans, asset financing and leasing, auto and consumer loans, credit cards


All figures represent the sum total as at 30 June 2023
Major bank clients
Assets under management (USD)
Active portfolios
Asset classes
Loans managed (since inception)

S&P Ranking | STRONG

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

Drive financial efficiencies while evolving business


Major banks face intense pressure from new entrants. Working with Pepper Advantage will enable you to rapidly evolve digital and in-real-life services. Pepper Advantage supports major banks by providing credit management services and technologies to support the delivery of new loan products, avoiding the need to invest in loan-engine and servicing technology.


Our approach in action


With intense pressure and tight margins, more and more major banks are opting to outsource services and functions.


With Pepper Advantage, outsourcing is an effective way to handle new challenges, including increasing consumer demands, growth in regulations and security requirements, complex portfolios, and device-style access to financial services.

Case studies

Get the full Advantage


For answers to your questions and information on how Pepper Advantage’s tech-enabled business model and Credit Intelligence platform can help your business grow.


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

Talk to our experts