Investors

Driving investment performance

Our data and analytics-led approach enables us to value and predict loan portfolio outcomes accurately, manage margins in constantly changing conditions, validate assumptions, improve recoveries and identify new opportunities in a rapidly expanding global market.

We work with the most trusted global brands

LATEST INSIGHTS

March 19, 2024 | 2 min 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. This month, we’re following on our last report to see how Direct Debit Rejections (DDRs) in Spain increases with Euribor.

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Multi-asset opportunities that boost yields and meet investment goals

We have the operational experience to manage borrowers and get the most yield out of every loan. Our plug-and-play technologies and reporting make it easy to understand how portfolios are performing in real time.

We provide rapid intelligence

With unprecedented AUM growth and tighter margins, reliable insights are essential to deliver returns.

We understand credit risk

Using real-time data and analytics means you can act fast to mitigate any downside.

We’re a safe pair of hands

We apply operational leverage and high standards of governance and compliance when managing loan portfolios.

We have a proven track record

Thanks to over ten years in the field helping more than one million borrowers.

How we work with investors

Asset classes

Residential and commercial mortgages, real estate, SME loans, asset financing and leasing, auto and consumer loans, credit cards, retail finance and BNPL

All figures represent the sum total as at 30 June 2023

Institutional investors

140+

Assets under management (USD)

55bn

Active Portfolios

202

Asset Classes

Funding Transactions

80+

Loans managed

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

We make the facilitation and management of credit investments straightforward

Pepper Advantage has a proven record of delivering exceptional returns while handling significant volumes of complex products and services. We harness our understanding of credit risk and borrower behaviour to enhance portfolio value through operational leverage and data and analytics. Here’s how we make it work:

Deliver a diverse range of funding strategies. Find out more about Credit Investment and Advisory. 

Perform a variety of functions including primary, special and master servicing. Find out more about our Credit Management Services.

Service multiple asset classes across a variety of performance grades, including performing, re-performing and non-performing loans.

Provide behind-the-scenes data and reporting activities to help investors.

Our approach in action

Our management team has been on hand since the outset over a decade ago. As such we have strong, continuous relationships within the sector. We also have a reputation as a solid performer in complex regulated markets, and are supported by expert local management teams in all our jurisdictions.

Data and analytics

Identify key risks and drive outcomes for sub and non-performing elements with Pepper Advantage’s holistic data-led insights.

Documentation and servicing reviews

Dissect servicing and operational processes to get to the bottom of transaction issues. We investigate and audit policies and procedures so you can enhance outcomes.