Karen Byrnes

Pepper Advantage

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.