Top Banner_About us

Our mission is to help people succeed

At Pepper Advantage, we’re relentless in our drive to be good corporate citizens. We strive to make a meaningful contribution to our communities and the lives of our customers, employees and shareholders.

About us


Pepper Advantage Ireland has been instrumental in helping Irish individuals, businesses and investors navigate their financial journey since 2012. We manage over €30bn worth of assets and have a skilled team of more than 600 people across Dublin and Shannon. We’re here to service loans and mortgages which includes processing loan payments and when needed, working with you to resolve late payments or assist with financial difficulties.


As part of the international Pepper Advantage Group, we combine local knowledge with global expertise. With operations across the UK, Europe and South East Asia, we employ over 3,500 people and have over €40bn in assets under management.

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Experts in asset management

As a major owner and operator of lending and loan servicing businesses in Ireland, the UK and Europe, we have the expertise to manage a wide range of loans including residential home loans, commercial loans, equipment finance and consumer finance on your behalf.

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Our commitment to you

Fair and responsible financial management is core to who we are and how we work. We continue to adjust our practices and adapt to meet your evolving needs and make our products and services inclusive and accessible to all. Committed to fairness and protecting our customers, we set high standards for customer service and conduct – we act quickly, communicate clearly, and are always mindful of your situation.

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Our Commitment to Diversity and Inclusion

We are proud of our diverse and inclusive culture. We have a diverse workforce which brings the benefit of different ideas, abilities and backgrounds which ultimately adds value to all our stakeholders – employees, customers, clients and the communities in which we operate.  Gender diversity is one significant element of Pepper’s Diversity & Inclusion (D&I) strategy. We invite you to explore our gender pay gap report to learn more about our commitment to closing the gender pay gap.


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Helping our community thrive

Local communities are close to our hearts and we support several charitable causes and community groups. Our employees also coordinate various initiatives throughout the year, including volunteering and fundraising days in Shannon and Dublin. Some of our beneficiaries to date include; Milford Hospice, Our Lady’s Hospice, Irish Cancer Society, ClareHaven, Adapt House, Mid West Simon Community, Dublin Simon, St Michaels House.


Pepper Advantage Ireland recently signed up to the Women in Finance Initiative.  Ireland’s Women in Finance Charter was launched in April 2022.  It is an initiative led by industry and supported by the Government of Ireland to improve gender balance at all levels within the sector. 


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Clare Haven Services


When women and children are in danger at home, Clare Haven Services offers a safe refuge. We are very proud to be a long-standing partner of Clare Haven Services and to support such a vital cause.


“We continue to be blown away by the creativity of Pepper Advantage and its staff who find new and innovative ways to meet our client’s needs. Because of the generosity of Pepper and its staff, children living with domestic abuse can still do ‘normal’ things. We are very grateful for their ongoing support.”

Dr Siobhán O'Connor, Manager of Services, Clare Haven Services

St. Michael’s House


St. Michael’s House supports men, women, and children with intellectual disabilities around Dublin. We have been partnering with the organisation for several years to make sure it can continue to provide vital services and making a real difference in the lives of the people it serves.


“We are deeply grateful for Pepper Advantage’s partnership and for the significant contribution they have made to our cause. Thank you again, Pepper for your generous support and for your commitment to making a difference in our world.”

Aisling Shanley, Communications Manager, St. Michael’s House

Executive team


Our leadership team brings diverse and respected expertise in banking and finance, and share a genuine commitment to do things better. Meet them now.

Cormack Ryan

Cormac Ryan

Chief Executive Officer, Ireland

Cormac leads the Pepper Ireland executive team, sits on the Ireland Board of Directors, and is responsible for all aspects of the Irish business.

Ian Wigglesworth

Ian Wigglesworth

Managing Director, Loan Servicing and Advisory

Ian Wigglesworth is Managing Director, Loan Servicing and Advisory with responsibility for all loan servicing, real estate and advisory services.

Grainne Naughton

Grainne Naughton

Director, Residential Servicing 

Grainne Naughton is Director Operations and Shared Services and is responsible for management of our residential mortgage portfolios and execution of portfolio strategies.

Brian Mullan

Brian Mullan

Chief Information Officer

Brian joined Pepper in 2022 and has responsibility for all aspects of the information technology landscape.

Lamanda Nangle

Lamanda Nangle

Director of Compliance

Lamanda joined Pepper in 2015 and has responsibility for the design and oversight of regulatory compliance.

Ruth Caulfield

Ruth Caulfield

Director of Operational Risk

Ruth joined Pepper in 2016 and has responsibility for the design and oversight for the enterprise risk management framework.

Board of Directors


Executive Directors


Cormac Ryan

Executive Director


Ian Wigglesworth

Executive Director


Non-Executive Directors


Anna Agafonova (DE)

Non-Executive Director


Fraser Gemmell (UK)

Non-Executive Director


Independent Non-Executive Directors

Hillary Ray

Independent Non-Executive Director

Michael Gibbons (UK)

Independent Non-Executive Director


Antoinette Dunne

Independent Non-Executive Director


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Looking for career information?


Check out our careers page to read about our culture and current job opportunities.