Global credit intelligence

Pepper Advantage is your global partner for loan services, asset management and credit intelligence. We assist lenders and investors in managing credit portfolios and empower customers.

Our technology

It’s not just support, it’s central to what we do. As a credit intelligence leader, we leverage technology and data platforms to offer matchless insights across all products and jurisdictions.

Rising arrears in Q4

Rise in residential mortgage arrears as borrowing costs rise unexpectedly in Q4. This increase follows two quarters of decline, data from Pepper Advantage has revealed

We’re primed for the many challenges posed by today’s fluctuating markets. With global reach and locally focused teams, Pepper Advantage is redefining credit portfolio management. Our people-first approach, backed by the latest technology, ensures success across diverse asset classes and performance grades.

What we offer

Credit management

Effectively managing loans poses numerous challenges, from maintaining a strong workforce and the latest tech, to overseeing payments, arrears and collections through relationship management, and ensuring compliance with regulations. All of which demands valuable resources. By outsourcing to us, our clients enhance their investment performance, lower expenses and can concentrate on fostering core business growth.

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Credit technologies

At Pepper Advantage, technology isn’t just a tool, it’s the heartbeat of our personalised approach. Our groundbreaking loan management system and custom data and analytics platform revolutionises decision-making and guides businesses through every phase of the loan journey, from application to collection and restructuring. Rich performance data and borrower insights empower our experts to optimise people’s financial futures.

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Credit access

Our Credit Gateway unlocks opportunities for investors, providing access to prime opportunities worldwide. We facilitate investor access to diverse yields and credit assets across global markets through several channels, including direct portfolio investment, co-investment opportunities, and a comprehensive lending platform with origination and servicing capabilities.

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Advantage Hub

This isn’t just another outsourcing solution – it’s your gateway to operational efficiency and scaling your workforce as needs evolve. Drawing from over a decade’s experience of providing back-office services, we’ve curated a team of top-tier professionals armed with the latest tools, and we deliver a full spectrum of offshore support services.

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Trusted by leading brands 

Pepper Advantage fuels success, enhancing lender value, pinpointing lucrative opportunities for investors and guiding borrowers towards their best path.

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Our business in numbers

Over a decade of exponential growth reflects our dedication to innovation, customer commitment and an unwavering pursuit of excellence.

 

As at April 2024

Assets under management (USD)

$52bn

FUnding transactions

85+

Countries

6

Institutional Clients

140+

Asset classes

12

Portfolios

200+

Loans managed

7m

Our Advantage

Pepper Advantage pioneers data-driven credit management, optimising yields and operational efficiencies. We cater to diverse asset classes and are trusted by top global financial institutions for consistently positive returns and people-focused results.

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Smart credit management

Our focus lies in the advancement of cloud-based smart technology aimed at optimising operations by leveraging automated workflows, robust data collection and analysis capabilities.

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Multiple assets across all performance grades

We cover a wide spectrum of financial needs, from residential and MSME mortgages to corporate, personal and auto loans, credit cards, factoring, BNPL and real estate asset management.

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Local relevance, global scale

Our approach combines modular services, rigorous governance, a history of strong returns and a lender’s perspective. We’re trusted by leading banks and financial institutions.

Our locations

We have over 90 clients throughout 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.

United Kingdom

Established in 2013 with offices in London and Uxbridge.

Ireland

Established in 2012 with offices in Dublin and Shannon.

Spain

Established in 2013 with an office in Madrid.

Fiji

Established in 2022 as the first outsourcing centre under the Advantage Hub offering.

Greece

Following the acquisition of NAI Hellas in 2018, Pepper Advantage established its presence in Athens, Greece.

India

Established in 2019 with offices in Mumbai and Vellore.

United Kingdom
Ireland
Spain
Fiji
Greece
India

United Kingdom

Established in 2013 with offices in London and Uxbridge.

Ireland

Established in 2012 with offices in Dublin and Shannon.

Spain

Established in 2013 with an office in Madrid.

Fiji

Established in 2022 as the first outsourcing centre under the Advantage Hub offering.

Greece

Following the acquisition of NAI Hellas in 2018, Pepper Advantage established its presence in Athens, Greece.

India

Established in 2019 with offices in Mumbai and Vellore.