Our Strengths

There are many reasons to pick Pepper, below are just a few.


Our team is vastly experienced across five international markets. This has helped us to grow - our assets under management now exceed £8.0bn across multiple portfolios (as at October 2016).

Client Focused

We focus on clients and customers as individuals, working in partnership to build long term relationships.

Leading Technology

We combine an off the shelf loan accounting platform with our own in house systems to provide a market leading solution.

Below are a few examples of how we've been able to help our clients.

Multi-Currency Solution

We were mandated with the boarding of a complex pool of high net worth individuals, which required unique features including multi-currency options for customers.

Using our in-house technology we were able to develop bespoke multi-currency functionality to meet those requirements. We delivered this unique solution entirely within the Client’s required timescales, enabling the overall transaction to complete on time and on budget.

The client told us afterwards:

“Pepper listened to our requirements and not only provided what we wanted but even thought of things we hadn’t considered. We’re very happy with the service they provided.”

Large Boarding with Flexible Features

We boarded a significant portfolio of mature loans for customers with a range of flexible product features from two separate servicing systems. The portfolio included over 30,000 new customers with total mortgage balances outstanding of c £2.0bn and was one of the largest system migrations carried out in the market in that year.

The client told us afterwards:

“We recognised this would be a significant challenge in terms of size and complexity but the Pepper team did an outstanding job in understanding and implementing our requirements within challenging timeframes.”

Non-Performing Portfolio Performance Turnaround

In March 2015 we boarded a portfolio of c £1.0bn non-performing loans, helping the Client in their asset due diligence requirements as well as efficiently executing the portfolio migration itself as part of the overall project.

When we boarded the portfolio average monthly cash collections were 87%. However, with the application of our proven case management system, we transformed this to 107% in just over 12 months.

The client told us afterwards:

“We’ve been really impressed with how Pepper has approached customers in financial difficulty and how they have been able to rehabilitate so many complex cases.”

White Label Servicing

A rapidly growing challenger bank was looking for a strategic partner to provide a scalable platform and deliver a white label service to their rapidly expanding customer base.

We worked closely with the Bank to understand their culture and business ethos, as well as their operational and regulatory requirements. This ensured we were able to design, build and deliver a platform and service solution to enable the Client to drive the performance and customer service expected.

The client told us afterwards:

“We weren’t looking for a rigid, out of the box proposition and Pepper were able to tailor a solution that exceeded our expectations.”

Can we help?

If you think we can help you, get in touch including some details about your situation and one of the team will get back to you.

Email us


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