End-to-end performance, powered by PRISM.
Integrated underwriting tools
Harness automation and AI-driven analytics to simplify complexity and empower the best possible decisions
Digital origination workflows
Accelerate applications and approvals with real-time data and API integrations that minimise manual effort.
Collaborative front-end system
Scale effortlessly across teams, markets, and product types — from residential and commercial lending to unsecured credit.
Unified data architecture
Access one source of truth for insight, operational intelligence, and real-time portfolio visibility.
Loan management engine
Handle every calculation, workflow, and servicing process with precision and transparency.
Digital customer experience
Engage customers through secure, self-service portals and omni-channel communication tools for real-time updates and account access.
Automated workflows
Blend automation with expert oversight to streamline operations, reduce manual effort, and improve performance.
Regulatory assurance
Maintain complete visibility and compliance throughout the customer journey — with built-in controls that support accountability and trust.
Real-time insight
Track portfolio performance and market dynamics as they happen with live data streams.
Predictive analytics
AI-powered models forecast trends, highlight risks, and surface new opportunities.
Interactive dashboards
Customisable visual tools turn complex data into clear, actionable intelligence.
Unified data ecosystem
Collate internal, synthetic, and macro data for smarter benchmarking and scenario modelling.
Cloud-native architecture
Built on Microsoft Azure, offering resilience, scalability, and industry-leading cyber protection.
Fully integrated & future-ready
Seamlessly connect data, systems, and workflows for flexibility and automation across portfolios.
Continuous innovation
Fully owned and maintained by Pepper Advantage, PRISM evolves with your business and the market.
Unified data & analytics
Real-time information and predictive intelligence turn data into impact across the entire credit lifecycle.
See PRISM in action
Kravings is the first live lending product built on PRISM, our proprietary credit management platform, in partnership with Clay Technologies.
Developed in weeks, this AI-driven app lets customers check eligibility, apply for, and manage personal loans seamlessly. By combining PRISM’s credit intelligence with Clay’s Brandable Credit™ APIs, Pepper Advantage delivers a faster, smarter, and more secure lending experience — with over £50 million in applications since launch.
Alongside our Group Chief Product Officer, Gary Stockley, our team of tech experts continuously enhances PRISM. Their deep expertise in AI, big data and enterprise software ensures the platform remains cutting-edge, scalable and fully responsive to evolving client and market needs.
Technology is at the heart of how we deliver value for our clients and their customers. At Pepper Advantage, my focus is on harnessing data, innovation, and secure systems to build scalable solutions that anticipate market needs. I work with our teams across the globe to accelerate digital transformation and create products that truly make a difference.
Brendan Twomey
Chief Technology Officer
I'm passionate about driving product innovation at Pepper Advantage, designing AI-powered solutions that drive efficiency, enhance user experience and unlock new value across the enterprise. Solving real-world problems through data and intelligent automation, we aim to enhance the way credit is delivered and managed.
Rahul Joshi
Head of AI and Automation
After over two decades of experience creating systems in the financial sector, I find myself diving into an ambitious project where we're putting all our knowledge into building a software that produces the most powerful, flexible, and adaptable products. It's exciting to share with top technical and business experts from around the globe, the use of cutting-edge technology that adds value to the industry.
Jorge Roncero
Head of Product Engineering
Whether it’s launching new features in PRISM, refining how customers interact, or shaping the roadmap for smarter user experience for credit technology, I’m all about making our products intuitive, scalable, and genuinely useful. I love seeing ideas move from sticky notes to live releases, and knowing that what we build helps clients manage loans with confidence and ease.
Lydia Rogers
Head of Credit Management Technology
With over two decades in the industry, I bring a focus on creating architectures that are robust, adaptable, and aligned to the evolving needs of our clients. I’m passionate about translating complex requirements into clear solutions and working closely with our teams to ensure we deliver technology that stands the test of time.
Ivan Litov
Head of Development
I have over 20 years of experience in driving software initiatives and connecting business needs with technical solutions - mainly in financial software and always from the technological side. Three years ago, I was given the chance to join the Prism Project Team and I’m still learning every day - enjoying my work just as much as I did at the very beginning of my professional career.
Paco Barrallo Freigero
Head of Credit Origination
Interested in shaping the future of fintech?
Join UsWhy we come to work every day
We believe technology should remove friction, not create it.
At Pepper Advantage, we’re building tools that empower people, businesses, and communities to make smarter financial decisions. Every day, we challenge complexity, connect data, and create clarity - helping shape the future of credit management.
