Pepper Advantage, a global credit management and technology company, has officially launched PRISM, its proprietary end-to-end credit management platform designed to bring loan data, analytics, workflow and servicing into one unified system. Built in-house, the platform gives lenders, managers and investors a single interface to optimise portfolio performance and improve outcomes for borrowers.
PRISM brings together a full mortgage servicing engine with advanced analytics, real-time data visualisation and automated processes that help institutions identify risks earlier, increase efficiency and meet regulatory reporting standards. It replaces fragmented legacy systems with a modern interface that simplifies day-to-day operations and removes the manual work that can slow down decision-making.
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Demand for the platform has grown rapidly. Pepper Advantage has already migrated more than a dozen portfolios representing over £1.5 billion in assets under management, including its largest transition to date involving nearly £400 million. More than 17,000 loans are currently serviced on PRISM across the UK and Spain on behalf of over a dozen clients, including eight leading banks.
As the platform becomes further integrated into banking infrastructure, PRISM is now capable of migrating data from multiple institutions daily. Its underlying architecture cleans and aggregates loan information on behalf of investors, enabling the securitisation of assets from different originators—an important innovation for an industry still reliant on outdated systems.
Financial Technology Insights: Pepper Advantage Launches PRISM Credit Management Platform
Fraser Gemmell, Group CEO of Pepper Advantage, said demand has exceeded expectations, noting that PRISM offers the seamless and technology-driven experience clients increasingly expect, while improving borrower journeys and accelerating the go-to-market process for lenders.
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PRISM sits at the core of Pepper Advantage’s wider investment in technology across data, software and AI. It already supports a wide range of asset types including residential mortgages, equity release and unsecured loans, with buy-to-let and second-charge mortgages expected in 2026. The platform can also be customised and white-labelled to integrate into existing systems, allowing financial institutions to modernise without costly internal development.
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