Pepper Advantage is a global credit management and intelligence company operating in nine jurisdictions across the UK, Europe and Asia Pacific. We have USD55 bn in assets under management. And we bring a unique, technology-centric approach to the way we manage credit assets on behalf of our clients.

Working across commercial and residential real estate, personal and SME loans, credit cards, asset finance and point of sale, we always put the customer at the heart of the journey and take a holistic approach to everything we do.
 
We use real-time data & analytics to manage credit risks and enable our clients to make faster, smarter decisions that keep them a step ahead. In doing so, we create the best opportunities so that everyone we engage with moves forward positively. Our aim is to inform and guide our clients and their customers towards the best possible outcome, whatever financial journey they’re on. 

Originally created in 2012, Pepper Advantage now employs 1250 people to look after 125 institutional clients and has serviced over 1 million end-users since inception. Through heavy investment in tech-enablement and data & analytics, we are driving operational efficiency, empowering and expanding our remit all over the world.


Credit

Pepper Advantage

Pepper Advantage's headquarters in London, United Kingdom

This department manages and coordinates all aspects of IT services, ensuring operational efficiency and incident response.

IT Operations

The Finance and Operations Team at Pepper Advantage plays a crucial role in ensuring the efficient management of financial resources and operational processes across the organization. Responsible for overseeing portfolio performance, managing financial reporting, and enhancing operational workflows, the team leverages data analytics to optimize credit asset management. By aligning financial strategies with operational goals, they support the company’s mission to deliver exceptional outcomes for clients and their end-users while driving continuous improvement and operational efficiency.

Finance and Operations Team

This department manages and resolves issues related to arrears and legal proceedings.

Arrears and Litigation

The Information Technology Team at Pepper Advantage is responsible for developing and maintaining innovative technology solutions that enhance credit management and operational efficiency across the company. This team oversees IT infrastructure, cybersecurity, software development, and business intelligence initiatives, leveraging real-time data analytics to empower decision-making and improve client services. By ensuring seamless integration of technology and robust support systems, they enable the organization to deliver exceptional credit management services globally.

Information Technology Team

This department oversees the planning, execution, and completion of projects to ensure they are delivered on time and within budget.

Project Management

The Servicing and Asset Management Team at Pepper Advantage is responsible for overseeing the management and servicing of a diverse portfolio of credit assets, including commercial and residential real estate, loans, and credit cards. This team utilizes advanced data analytics to assess credit risk and optimize asset performance, ensuring that client and customer needs are met efficiently. By fostering strong relationships and providing strategic guidance, they help drive positive financial outcomes for both clients and end-users throughout their financial journeys.

Servicing and Asset Management Team

The Data and Analytics Team at Pepper Advantage is responsible for harnessing real-time data to manage credit risks and drive strategic decision-making for clients. This team leverages advanced analytics, data engineering, and visualization techniques to transform complex data into actionable insights, enabling clients to make informed decisions and enhance operational efficiency. By collaborating across various domains, the team supports the company's mission to create optimal financial outcomes for clients and their customers.

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Other teams

Finance and Operations Team

Arrears and Litigation

Information Technology Team

Project Management

Servicing and Asset Management Team

Data and Analytics Team