Pepper Advantage Spain

About us

Pepper Advantage Spain is a leading player in the country’s independent loan servicing sector. As such, we are an optimal partner for banks, non-bank financial institutions and fintechs.

We excel in credit management for performing and re-performing loans (PL/RPL) across a broad range of asset classes, including residential mortgages, commercial real estate loans and secured and unsecured consumer loans. While our approach is analytics-driven, we never forget we are dealing with people’s lives, ensuring a compassionate and effective service.

What we offer

Since 2006, Pepper Advantage Spain has collaborated with top financial institutions like Abanca, Cajamar and Sabadell, offering comprehensive loan servicing and asset management through our proprietary platform Atlas.

Our credit management solutions include recovery resolutions, litigation, insolvency management and customer management. We also offer primary, master and backup servicing, alongside value-add services such as analytics, reporting, finance, IT, AML (anti money laundering) and KYC (know your customer), complaints management, compliance and regulatory reporting.

We’re well positioned to offer investors a solid long-term servicing perspective, with most of our loan servicing focused on PL and RPL portfolios, but also NPLs.

LATEST INSIGHTS

April 20 2023 | 5-minute read

Early indicator of borrower stress increases in line with interest rates

We track a variety of data points to analyse borrower stress across our portfolio with the goal of managing risks before they emerge. We’re following up on our last report to see how Direct Debit Rejections (DDRs) – one of our key leading indicators in Spain – increases with Euribor.

Read article

Our business in numbers

Assets Under Management

$4.05bn

Portfolios

Asset classes

Clients

Strengthening partnerships with banks and investors

Since 2019, Pepper Advantage Spain has expanded its servicing and credit management solutions nearly sevenfold, benefiting private capital investors through the Pepper Advantage Network and Atlas, our proprietary platform. We operate daily with five pillar banks, non-bank financial institutions and fintechs, enhancing our capabilities as a valued partner. Our technology facilitates tailored credit management solutions that align with legal deal structures, effectively meeting diverse client needs.

The human-tech intersection

We leverage AI, machine learning and advanced analytics, blending these with a human-centred approach. While automating back-office processes to minimise errors is crucial, we prioritise the human touch in customer interactions. Atlas frees up our operations team, allowing operatives to dedicate time to addressing complex and sensitive customer issues beyond automation’s reach. Empowered with decision-making authority and expertise, our team ensures swift resolutions that prioritise customer welfare.

Encouraging ownership

Pepper Advantage Spain achieves superior credit performance with a portfolio and case ownership model, empowering teams and individuals to take ownership of specific cases and portfolios.

Comprehensive resources

Our portfolios are managed by dedicated teams with access to Pepper Advantage Spain’s full range of resources and subject matter experts, ensuring comprehensive and specialised management.

Extended expertise

In addition to ring-fenced operational teams, Pepper Advantage Spain offers specialised support teams for client due diligence, data analysis and modelling services.

Proprietary platform

Atlas serves as a comprehensive loan management platform providing full visibility across the service cycle, encompassing origination, loan administration, primary servicing, special servicing, restructuring, special solutions and shortfall recovery.

Impressive legacy

Since acquiring Celeris, taking over 120 employees and seven unsecured loan policies, we have grown into a premier independent loan servicer. Today we lead in handling significant portfolio trades.