Pepper Advantage is a global financial services technology company that specializes in providing innovative lending and banking solutions. The company leverages data and technology to offer a range of services including point-of-sale finance, equipment finance, and personal loans, aiming to improve the customer finance journey and empower financial institutions.

Pepper Advantage

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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.

As the year draws to a close, we extend our warmest wishes for a joyful holiday season. 🎄🌟 

May this festive time bring moments of reflection, gratitude, and connection. Thank you for a fantastic year—here's to continued success in the coming one! Happy holidays from all of us at Pepper Advantage. 🎁✨ 

#SeasonsGreetings #HappyHolidays #PepperAdvantage

📣 Latest Company News – London 📣  
 
We are delighted to announce the appointment of Clive Kirkpatrick  to our Global Executive team as Head of Operational Fulfilment. This appointment signals our commitment to developing the Pepper Advantage Hubs, which provide offshoring options for clients and businesses, helping them grow their teams and operations remotely and efficiently. 
 
With over 30 years of experience in banking and financial services, Clive has worked in management positions at St George Bank and the Yellow Brick Road Group and serves as a Director of Bula Outsourcing Pty Ltd and Deputy Chair of the Finance Brokers Association of Australasia.  
 
As Head of Operational Fulfilment, Clive will lead the development and growth of Pepper Advantage’s global offshoring centres, currently in Fiji and Indonesia. He is very familiar with our operations, having been appointed as non-executive Director of our Pepper Advantage Hubs in November 2022.     
 
Read more here ➡️ https://lnkd.in/g5v_SZeY 

#pepperadvantage #pepperadvantagehub #leadership #BPO #outsourcing

📢 Company News – London & Mumbai 📢

We are proud to announce the opening of our state-of-the-art Tech Hub in Pune, India. The launch follows the acquisition of LoanGuard, previously known as Rieomi ai. The Tech Hub will serve Pepper Advantage’s growing customer base, which has increased in India 40% since December 2022. This marks a significant stride in the company's commitment to fostering innovation and using AI to drive its technology development efforts.

Read more here ➡️ https://lnkd.in/ey6VWR6e 

#pepperadvantage #pepperadvantageindia #india #growth #innovation #tech #technology #technologydevelopment #AI #artificialintelligence #loanguard #reomiai

📊 Insights: Navigating New Financial Terrain: How Pepper Advantage's LoanGuard Can Safeguard Lenders in India 📊

The Reserve Bank of India (RBI) has recently implemented tighter norms for consumer loans, a strategic move to address the surge in unsecured lending. This regulatory shift, while crucial for maintaining the health of the financial system, presents new challenges for lenders.

Read more here ➡️ https://lnkd.in/gb_D2DTq 

#pepperadvantage #pepperadvantageindia #RBI #insights #lenders #LoanGuard #AI #india #financeindia

Recent data from UK Finance and Pepper Advantage's own Q3 UK credit intelligence report (https://lnkd.in/grkMQKhn) paint a stark picture of the challenges facing the UK mortgage market this winter. The convergence of these reports signals a period of heightened financial stress for borrowers, landlords, and financial institutions alike.

Read more here ➡️ https://lnkd.in/gNBPB7CD 

#pepperadvantageuk #ukfinance #ukmortgage #ukmortgagemarket #creditintelligencereport

In Memoriam - Cameron Small 

We are very saddened by the passing of Cameron Small, the former CFO and Group Director of Pepper Financial Services Group. Cameron was not just an executive at Pepper, he was a beloved member of the team who played an integral role in developing the company into the global credit management firm and consumer lender that it is today. His legacy will continue to live on, and his contributions to the company will never be forgotten.

Cameron's dedication and expertise helped Pepper to expand its reach to countries spanning Australia, New Zealand, UK, Europe and Asia. He was instrumental in developing and implementing strategies that led to the success of Pepper including supporting the growth of Pepper Advantage since its inception in 2011.

On a personal note, Cameron was a true professional who always brought his best to the job. Beyond that, he was a kind and caring individual who helped others achieve their personal goals. His contributions to our team and the industry will always be remembered, and he will be missed dearly. 

Our thoughts are with his family during this difficult time. Cameron's legacy at Pepper will continue to live on, and his dedication and hard work will be remembered by all who knew him.

📈 Latest Global Credit Intelligence Report published 📈 
 
Our Credit Intelligence model leverages real-time data of over 100,000 UK mortgages and over 1 million annual payment transactions to analyse trends in the UK market across the Pepper Advantage portfolio.

Our Q3 report provides unique insights into subsets of the UK market, where we're seeing the effects of financial pressure on borrowers flowing through to higher arrears. In Q3, the arrears rate climbed 7.0% quarter-on-quarter and 23.3% year-on-year to reach yet another post financial crisis high. 

Pepper Advantage's data also shows variations across product time, region, and age group for the UK market over time. 

Read our full report here ➡️ https://lnkd.in/gDWKA4EP 

#creditmanagement #financialmarkets #pepperadvantageuk

📣 Latest Company News - London 📣

Pepper Advantage is pleased to announce the appointment of Narinder Auluck as Group Chief Technology Officer. The establishment of this new senior executive position demonstrates Pepper Advantage’s plan to develop new technologies that transform the credit management sector.

Auluck has more than 20 years of experience in the banking and finance sector, leading digital innovation strategies at global banks including UBS, Barclays, HSBC and NatWest. Most recently, he served as Head of Strategic Projects at Pepper Advantage and drove the creation of new software and AI platforms for the company.

Read more here ➡️ https://lnkd.in/gUTBSsrk 

#pepperadvantage #globalcreditintelligence #ourpeople #technology #leadership

📈 Insights: UK-India trade deal to unleash AI and help bridge India’s credit gap 📈

As an international company headquartered in the UK with a large and growing business in India, Pepper Advantage is fully committed to supporting its customer base and strengthening its presence in both countries.

Technology plays a huge part in enabling us to grow our presence in India. Its fintech revolution has already gone a long way in powering the country’s development.

In our latest insights piece, we take a look at how a potential trade deal between India and the UK could bring the two countries closer together, paving the way for deeper commercial cooperation and acceleration of technology, particularly around artificial intelligence.

Read more ➡️ https://lnkd.in/gTfCGNFG 

#pepperadvantage #globalcreditintelligence #uk #india #AI #artificialintelligence #technology #creditgap

This week our Head of Data and Analytics at Pepper Advantage, Sinead Okosi, was a featured panelist at Snowflake's Data Cloud World Tour event in London.

Featured as part of the Women in Data panel, Sinead and her fellow panelists discussed how to address gender disparity within the tech sector. 

Key themes covered during the panel included:
☑️ Inclusive Recruitment Practices: How can we eliminate bias in tech hiring?
☑️ Transformative Education for Women in Technology: Strategies for empowering more women in tech.
☑️ Cultivation of Leadership and Mentorship Opportunities: Nurturing leadership skills and mentorship.

Tale a look at some of the photos from the panel below.

#pepperadvantage #dataandanalytics #womenintech #womeninbusiness

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