Pepper Advantage is a global credit intelligence provider operating in nine jurisdictions across the UK, Europe and Asia Pacific. We have US$55 billion in assets under management, and bring a cutting-edge data-led approach to the way we manage credit assets on behalf of our clients.
The latest data from Pepper Advantage’s UK portfolio shows an improvement in the arrears environment in Q2 2024, with the arrears rate across the country increasing only 1.1% compared with Q1.
We’re changing the face of credit asset management with pioneering data-led intelligence that enables Pepper Advantage clients to capitalise on new revenue opportunities and improve operational efficiencies and yields. We create the best opportunities for borrowers, clients, investors and employees.
Working across residential mortgages, small balance MSME mortgages, large corporate, personal and auto loans, credit cards, unsecured residuals, factoring, BNPL and direct real estate asset management, Pepper Advantage pushes for the best solution, whatever financial journey a customer is on.
We bring modular services, high standards of governance, a track record of positive returns and a lender’s mindset to every portfolio in every market. And we’re trusted by some of the biggest banks and financial institutions in the world.
Pepper Advantage has acquired LoanGuard, a specialist AI-driven credit management software platform in India. It helps with credit decisioning, identifies fraud risks and boost efficiency across a wide range of credit assessment processes.
Pepper Advantage’s management team has led operations from the outset and driven all growth to date. We have deep industry relationships and a strong reputation in complex, regulated markets, ably supported by local management teams in each of our nine jurisdictions.
Trained and experienced service agents handle customer queries empathetically, even in the trickiest situations.
Our data-led approach supports new credit-based products coming onto the market and changing credit appetites.
Corporate compliance and a respect for regulatory frameworks are at the heart of our workflow and operating platforms.
There’s a lot involved: onboarding, understanding the consumer, anticipating and solving problems, responding to client strategic shifts, account management, margin squeeze, expanding portfolios, market fluctuation. Our proprietary software services multiple asset classes and makes light work of tracking performances and trends.
As a market-leading finance business, third-party loan servicer and asset manager, we oversee a wide range of credit management services using innovative tech.
Maintaining client relations, investing in a workforce and the latest tech, managing payments, arrears and collections, and ensuring compliance takes up time and resources. Partnering with Pepper Advantage reduces costs and allows you to focus on business growth.
We provide specialist proposition and breadth of service that covers the full lifecycle of loan servicing and asset management. As part of our bespoke credit investment strategy, we also acquire residual assets and co-invest as equity partners alongside our clients.
Our teams are experienced in direct property transactions, development, mergers and acquisitions, corporate real estate strategy, capital raising and transactional processes. We deliver results in accordance with our clients’ objectives.
Greater access to data, advanced analytics, and risk decisioning are key to the success of everyone in the credit management sector. We now have best-in-class modular and scalable solutions that can be used across asset classes, product lines and jurisdictions.
We’ve developed a highly intuitive cloud-based data-and-analytics platform to enable you to manage customer outcomes and portfolios across multiple assets much more effectively.
With real-time data and analytics, our Credit Intelligence platform transforms statistics collected from clients around the world into valuable information, so that you can make insight-driven decisions to benefit your business and your customers’ financial experiences.
The Pepper Advantage Hub delivers outsourcing services to provide efficient operational capabilities to new and existing clients beyond its traditional financial services market.
The Hub will offer an entire suite of back-office support functions that range from IT services such as software engineering and data analytics, to finance-related roles, customer service support, HR, marketing and administration.
Across geographies, asset classes and currencies
Following the acquisition of Millennium Holdings KK in 2021, Pepper Advantage established its presence in Tokyo, Japan.
Established in 2012 with offices in Dublin and Shannon.
Following the acquisition of NAI Hellas in 2018, Pepper Advantage established its presence in Athens, Greece.
Established in 2021 with presence in 13 cities across Indonesia.
Established in 2019 with offices in Shanghai and Hong Kong.
Established in 2022 as the first outsourcing centre under the Advantage Hub offering.
Pepper Advantage is all about finding the best route to success for every individual. We’re innovators and original thinkers, and an entrepreneurial spirit means we’re unincumbered by what’s been done before. We approach every situation with a can-do attitude.
Join Pepper Advantage’s unique global-scale network and get access to all the latest market trends and opportunities.
Our goal? To give people an edge, to help them succeed.
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