Pepper Advantage Launches PRISM Credit Manageme

In a strategic leap forward for financial operations, Pepper Advantage launches PRISM, a proprietary, end-to-end credit management platform that unifies loan data, servicing tools, and analytics under a single interface, offering lenders, credit managers, and investors enhanced visibility, efficiency, and control over their portfolios.

Developed entirely in-house, PRISM integrates a full mortgage servicing engine with advanced workflow automation and real-time data visualization. The platform replaces fragmented legacy systems, enabling users to manage all stages of the credit lifecycle from loan onboarding to servicing, risk monitoring, and reporting within one consolidated system.

What PRISM Delivers - Efficiency, Clarity and Scalability

Unified Loan Portfolio Management: PRISM brings together mortgages, unsecured loans, and other credit products in a single platform, giving a holistic view of loan portfolios across asset types and geographies.
Real-Time Analytics & Risk Visibility: With built-in analytics and data visualisation, the platform enables early detection of emerging risks, improved decision-making, and compliance-ready reporting.
Automated Servicing Workflows: Tasks that typically involve manual processes such as payment processing, documentation, monitoring, and reporting are automated, reducing errors and operational overhead.
Scalable Infrastructure for Institutional Clients: PRISM is already running portfolios across the UK and Spain with over £1.5 billion in assets under management and 17,000+ loans migrated for multiple clients.
Modern, User-Friendly Interface: The platform is built with a modern digital interface aimed at replacing outdated legacy systems, combining ease-of-use with corporate-grade functionality.

Strategic Context: Why PRISM Matters Now

As the credit and mortgage industry becomes increasingly complex with new regulation demands, larger portfolios, diversified loan types and shrinking tolerance for manual inefficiencies, the need for a robust, scalable, technology-native servicing infrastructure has become critical. PRISM addresses this need head-on.

By migrating large portfolios and clients onto PRISM, Pepper Advantage demonstrates confidence in the platform’s ability to deliver performance at scale supporting not only traditional lenders but also non-bank and fintech credit providers that require agility, compliance, and transparency.

Furthermore, PRISM’s design enables securitization of aggregated credit portfolios originating from different lenders making it easier for investors to access diversified assets under unified servicing and reporting standards.

What Pepper Advantage Says: A New Standard in Credit Management

According to Fraser Gemmell, Group CEO of Pepper Advantage, PRISM represents “the new standard in credit management technology.” The platform is intended to deliver a seamless, tech-driven experience for clients, enhance outcomes for borrowers, and open new opportunities for both traditional and non-traditional lenders seeking a faster go-to-market path.

PRISM also forms the core of Pepper Advantage’s broader strategy of leveraging data, software, and AI capabilities to modernize credit markets and bring operational efficiency, transparency, and scalability to loan servicing globally.

What’s Next: Growth, Expansion and Innovation

With the platform now live and already servicing substantial portfolios, Pepper Advantage plans to continue expanding PRISM’s coverage to include more credit types including buy-to-let mortgages, second-charge loans and additional loan products scheduled for rollout in 2026.

The company also intends to leverage the platform’s modular architecture and white-label capabilities to offer a customizable, scalable credit-servicing backbone for a wide variety of clients from banks and institutional investors to emerging fintech lenders.

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