Major Banks

Giving banks competitive advantage

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

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 technology

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

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

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

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)

55bn

Active portfolios

202

Asset classes

Loans managed (since inception)

5.5m

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.

We offer deep credit specialisation, experience, credibility and high levels of governance to meet your exacting standards.

Freeing you up to succeed

As a specialist outsourcer for over a decade, we enable our clients to redirect their resources and focus on creating the market differentiators that keep them competitive.

Bringing years of experience

With US$55 billion in AUM and more than 1,200 team members looking after 90 major financial services clients and 1 million end-users, we have top-level experience and credibility.

Offering global and local perspectives

We’re expanding fast. More jurisdictions, more in-situ teams, wider consumer bases. It gives us a global perspective and valuable insights.

Delivering on analysis

Major banks have major data – and our systems get the most out of them, with real-time analysis and actionable insights. And we operate in a tightly governed and compliant environment.