Our Story

At Pepper Advantage, we’re not just in the business of credit management – we’re shaping its future.

As a global organisation with locally focused teams of experts, we offer a dynamic range of products and services that redefine how businesses navigate the complexities of credit portfolios.

Business in numbers

Our management team, in place since the outset, has driven significant growth. We’ve built a strong reputation in complex, regulated markets and have excellent industry contacts.

Assets under management (USD)

$52bn

Institutional clients

125+

Funding transactions

85+

Loans managed

Countries

Asset classes

Employees

1400

Customer testimonial

"You were totally understanding of my situation and extremely professional and helpful, as well as being sympathetic. First class service from a first-class company. I was nervous and concerned before calling but there was no need as the professionalism was second to none."

Building tech capabilities

At Pepper Advantage, we differentiate ourselves by leveraging cutting-edge technology to continually enhance outcomes, streamline processes and set new industry benchmarks.

Our substantial investment in scalable IT infrastructure supports diverse asset class coverage, comprehensive API integrations with multiple lenders and retailers, integrated workflow and CRM systems, and cloud-based data warehousing. Advanced data analytics allow us to assess situations comprehensively, ensuring regulatory compliance amid evolving requirements, and generating insightful reports that drive informed decision-making.

Global credit intelligence

Pepper Advantage is a rapidly expanding global credit intelligence company serving the UK, European and Asian markets.

We continuously enhance our portfolio of credit management services and technologies across diverse asset classes. We use a top-tier data and analytics platform to forecast market trends and evaluate their influence on your portfolios. This empowers you to identify opportunities and deliver exceptional service to your customers, ensuring proactive management of credit risks and optimal financial outcomes.

Who we help

Our clients include renowned global incumbents, emerging challengers and fintechs. We serve private equity firms, institutional investors, hedge funds, major banks, property developers, fintechs, non-bank lenders and retailers, providing comprehensive services tailored to diverse financial needs.

August 2024

"First class service from a first-class company. I was nervous and concerned before calling but there was no need as the professionalism second to none."

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

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.

Our journey

2012 2013 2015 2016 2018 2019 2020 2021 2022 2023

Following the acquisition of GE Capital Ireland, Pepper Advantage expanded its successful business model from Australia and New Zealand into Europe.

European growth was further supported by the acquisition of loan portfolios in the UK and Spain. Initially the focus was on non-performing loans.

Pepper Advantage accelerated its technology investment, initially building out CRM and workflow capabilities across the UK, Ireland and Spain.

Further client verticals were added as Pepper Advantage continued its growth across multiple asset classes and product lines.

Pepper Advantage continued its European expansion, entering the Greek market with the acquisition of NAI Hellas, a specialist business of commercial property advisors.

Pepper Advantage established servicing platforms in India and China, providing a loan servicing and resolution business with expertise in investment management.

Pepper Advantage’s agile tech capabilities and flexible approach came into its own, developing fast solutions for people impacted by the pandemic.

Expansion continued with the acquisition of Millennium Holdings KK in Japan and setting up Indonesia's first global loan-servicing platform.

We established the first outsourcing centre in Suva, Fiji, under the Advantage Hub offering.

Expanding our credit technologies capabilities, we acquire an AI-driven credit assessment tool previously known as Rieom.ai.

Our awards

Pepper Advantage is a multi-award-winning company celebrated for entrepreneurial spirit and commitment to achieving optimal financial outcomes for all clients. This dedication has earned us numerous awards for excellence in the industry.

our-awards-mortgage-finance-gazette-2021

How we see things

“With our data and analytics tools, we can help our partners focus on future portfolio risks and opportunities, not just historic reporting. We turn data into insights that improve performance and customer experience.”

SINEAD OKOSI

Head of Data and Analytics

“This is an exciting time for Pepper Advantage as we expand our company and empower people all over the world. We're creating opportunities in rapidly expanding Asian markets for challenger banks and fintechs, and we're supporting product innovation in developed territories with deep credit insights. Our innovative, entrepreneurial and client-driven culture makes us the ideal global partner.”

FRASER GEMMELL

Pepper Advantage Group CEO

“I’m looking forward to supporting Pepper Advantage in increasing its value and in its endeavour to becoming the leading global credit management company. I was especially interested in joining the Pepper Advantage team because of its commitment to developing second-to-none, future-proof technology, and its ambition to create the world’s leading data-rich Intelligence Platform. Real-time, simple, easy to operate, and CX friendly.“

Anna Agafonova

Group Chief Financial Officer

The future

Our journey is far from over. We’re constantly pushing boundaries, exploring new horizons and redefining industry standards – with a relentless drive for innovation and a passion for excellence.

A step ahead

Our goal is to help clients seize new revenue opportunities, enhance operational efficiencies and stay ahead of market rivals.

Better predictions

Powered by cutting-edge technology and analytics, we enable our partners to forecast trends, predict behaviour and make faster, better decisions.

Tech advancement

With a global outlook, our tech works across all asset classes and product lines and in multiple markets and business units.

Putting people first

We service a diverse client base and are passionate about helping people who are not well represented by financial institutions.