Pepper Advantage

Celebrating a New Era at Pepper Advantage... Last week marked an exciting milestone for Pepper Advantage as we officially celebrated the signing of our acquisition by J.C. Flowers & Co. – a key step in driving our continued growth and innovation. To mark this chapter, we also unveiled our refreshed global brand, showcasing a bold new look that reflects who we are today. With updated marketing materials, vibrant office designs, and a brand-new website, our brand refresh puts our people, expertise, and culture at the forefront. Thank you to our teams across the globe for being part of these important moments. #PepperAdvantage #NewBeginnings #BrandRefresh #GrowthJourney #JCF #Innovation #CreditManagement #OurPeopleOurAdvantage #FinancialServices #Transformation

Exciting Leadership News We’re thrilled to welcome 𝐕𝐥𝐚𝐝 𝐁𝐨𝐭𝐢𝐜 as our new 𝐆𝐫𝐨𝐮𝐩 𝐂𝐡𝐢𝐞𝐟 𝐎𝐩𝐞𝐫𝐚𝐭𝐢𝐧𝐠 𝐎𝐟𝐟𝐢𝐜𝐞𝐫 at Pepper Advantage! With over 20 years of experience in operations and technology, Vlad's impressive track record includes leadership roles at Samsung Electronics Europe and Hellenic Bank. His expertise in business transformation, client solutions, and tech innovation will be invaluable as we continue to grow. In his new role, Vlad will focus on: 🔑 Driving innovation and enhancing client experiences globally 🌐 Supporting our expansion under new ownership 🤝 Collaborating with recent additions Gary Stockley (Group CIO) and Kelli Riding (Director of UK Transformation) to solidify our position as the world's leading credit management company Vlad has already made significant contributions to Pepper Advantage over the past seven years, improving service levels, onboarding new clients, and enhancing reporting capabilities. We can't wait to see what he'll accomplish next! Join us in congratulating Vlad on his new role! Read more here : https://lnkd.in/gwwK2T8Z #Leadership #Innovation #PepperAdvantage #CreditManagement #newrole

Exciting news from Pepper Advantage! We are thrilled to announce that our acquisition by J.C. Flowers & Co., a leading global investment firm specialising in financial services, is now complete. With a shared commitment to customer service, we are excited to embark on a new growth era with J.C. Flowers and Co. Together, we will continue to invest in our products, services and technology capabilities, driving innovation to deliver even greater value to our clients. We look forward to what the future holds as we expand our credit management and credit technology offerings and continue to make a positive impact in the financial services industry. Read the full press release here: https://lnkd.in/g_eJZs3B #PepperAdvantage #JCFlowers #CreditManagement #Expansion #FinancialServices #CustomerService

𝐏𝐫𝐢𝐬𝐦: 𝐀 𝐌𝐚𝐣𝐨𝐫 𝐒𝐭𝐞𝐩 𝐢𝐧 𝐎𝐮𝐫 𝐓𝐞𝐜𝐡-𝐃𝐫𝐢𝐯𝐞𝐧 𝐅𝐮𝐭𝐮𝐫𝐞 We are excited to announce we are now live on Prism, our proprietary technology platform, with our first portfolio in production. This marks a significant milestone for Pepper Advantage, setting the foundation for greater efficiency, scalability, and innovation. Prism is built to transform the way we manage granular credit portfolios, combining advanced data analytics, automation, and a customer-first approach to drive smarter decision-making, more efficient operational solutions and enhanced customer experiences. We have been building Prism internally within Pepper Advantage for the last three years. 𝐖𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐢𝐭 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭? • 𝐏𝐫𝐨𝐩𝐫𝐢𝐞𝐭𝐚𝐫𝐲 𝐓𝐞𝐜𝐡𝐧𝐨𝐥𝐨𝐠𝐲 – A fully in-house platform designed for agility and growth. • 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬 – Leveraging analytics to optimise granular credit portfolio management. • 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫-𝐂𝐞𝐧𝐭𝐫𝐢𝐜 𝐀𝐩𝐩𝐫𝐨𝐚𝐜𝐡 – Enhancing service and efficiency for better outcomes for our customers. • 𝐈𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧 𝐚𝐭 𝐒𝐜𝐚𝐥𝐞 – Evolving alongside our business and industry needs. • 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧 – Enabling customers to engage through a range of digital services. This is just the beginning. Prism lays the groundwork for future growth, enabling us to scale with flexibility while keeping customers at the heart of what we do. A huge thank you to the incredible team who made this possible! Read more about how Prism is shaping our future here: https://lnkd.in/gMWnbQ-A #Innovation #Technology #DataDriven #CustomerFirst #PRISM

📈 𝗤𝟰 𝟮𝟬𝟮𝟰 𝗨𝗞 𝗖𝗿𝗲𝗱𝗶𝘁 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗥𝗲𝗽𝗼𝗿𝘁 – 𝗡𝗼𝘄 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 📈 Pepper Advantage’s UK mortgage data, covering 100,000+ mortgages, reveals key trends as 2024 came to a close: · 𝗥𝗶𝘀𝗶𝗻𝗴 𝗿𝗲𝘀𝗶𝗱𝗲𝗻𝘁𝗶𝗮𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝗿𝗿𝗲𝗮𝗿𝘀 amid ongoing economic pressures · 𝗖𝗼𝗻𝘁𝗶𝗻𝘂𝗲𝗱 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗯𝘂𝘆-𝘁𝗼-𝗹𝗲𝘁 𝘀𝗲𝗰𝘁𝗼𝗿, with more landlords exiting the market · 𝗛𝗶𝗴𝗵𝗲𝗿 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗰𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 putting further strain on mortgage holders What does this mean for 2025? Our latest report breaks down arrears and payment trends by 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 𝘁𝘆𝗽𝗲, 𝗿𝗲𝗴𝗶𝗼𝗻, 𝗮𝗻𝗱 𝗮𝗴𝗲 𝗴𝗿𝗼𝘂𝗽, offering valuable insights into the evolving UK mortgage landscape. 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗿𝗲𝗽𝗼𝗿𝘁 𝗵𝗲𝗿𝗲 ➡️ https://lnkd.in/gfCt7jjW #CreditManagement #FinancialMarkets #PepperAdvantageUK #Mortgages

For our first Pepper Picks of the new year, we reflect on our efforts in Ireland from 2023 to 2024 working alongside the Banking and Payments Federation Ireland (BPFI) and the Money Advice and Budgeting Service (MABS) to support customers facing financial challenges. As we step into 2025, our commitment remains strong: helping customers regain control and achieve financial stability amidst the continued pressures of high living costs and higher interest rates. Over the last year, we’re proud to have implemented Alternative Repayment Arrangements (ARAs) to assist over 2,500 customers. Among the solutions offered, term extensions and reduced Net Monthly Income (NMI) emerged as the most utilized, together accounting for over 40% of ARAs implemented. This is inclusive of over 500 customers who successfully moved either to a reduced interest rate or qualified for our new temporary fixed-rate solution, which provides those most in need with financial stability. The temporary fixed interest rate solution was introduced in 2023 to further assist customers most impacted by rising living costs and interest rate increases. Key takeaway: the earlier we can work together, the faster we can identify the right solutions to help. Our data highlights some of the tools we have available and the efforts we continue to make to improve our customer support. #FinancialSolutions #CustomerSupport #PepperPicks #PepperAdvantage

Season's Greetings from everyone at Pepper Advantage 🎄✨

Celebrating Our Team and Their Achievements Last Friday, we came together for our annual Christmas party at the beautiful Kimpton Fitzroy Hotel, where we reflected on the year and celebrated the people who make everything we do possible. A key highlight of the evening was our Awards Ceremony, recognising the incredible contributions of our team. These awards represent the hard work, innovation, and collaboration that define our culture. Special congratulations to Kelli Tahir (Riding), Meera Thobhani-Kumar, Shiren Thakarar, Libby Jeffs, Shane Heffernan and Ayoola Oluwatosin for their outstanding contributions. This event was more than just a celebration; it was a reminder of the values that bring us together as a team. Here’s to another year of growth, success, and working together to achieve great things in 2025. #CelebratingOurPeople #TeamCulture #AwardsNight

📈 Q3 UK Credit Intelligence Report out now 📈 Pepper Advantage’s UK mortgage data, which covers 100,000+ mortgages, reveals: · A 0.8% decline in residential mortgage arrears in Q3 · A 0.1% increase in the overall arrears rate, influenced by growth in the buy-to-let sector. Landlords continue to face challenges as fixed-rate mortgages expire and are refinanced at higher rates, prompting some to exit the market. Our report offers insights into arrears and payment trends by product type, region, and age group. Read the full report here: https://lnkd.in/gU4w4KQ8 #creditmanagement #financialmarkets #pepperadvantageuk #mortgages

Last night, our team had a fantastic time at the Lending Awards 2024! While we didn’t take home the award for Best Credit Information Provider, we’re incredibly proud to have been shortlisted and recognised for our innovative, data-driven work. A special shoutout to our Table 10 friends, The Cambridge Building Society, on their well-deserved win, and congratulations to all the winners and finalists driving excellence in our industry! Thank you to the Lending Awards for hosting an amazing event, and to our incredible team for all their hard work and dedication. Here’s to continuing to innovate and make a difference! #LendingAwards2024 #CreditInnovation #TeamWork #IndustryExcellence #PepperAdvantage