Portfolio Migration

We have unrivalled experience and expertise in migrating loan portfolios onto our servicing platform in a timely manner. In recent years, we have successfully completed multiple loan portfolio migrations within a typical timeframe of eight to twelve weeks.

We can accommodate the various business models of our clients, be it complete migration or a hybrid approach. The portfolio, the customer database and all historical information are transferred onto Pepper’s systems. Partial migration involves the regular two-way transfer of key data to enable us to perform the services as required.

A range of data transfer processes have been developed and delivered in-house by our skilled PMO and IT services team. Our transition approach applies the principles of engagement, communications and change management, and occurs within a robust project and programme management framework.

  • Stage 1: Programme initiation

Includes Due Diligence, Contract Completion, Project Charter setup, Resource Planning, Governance Framework setup and Work Stream setup. The programme structure covers Operations, Data Migration and IT, Communications, Compliance and Risk, HR and Facilities and Asset Recovery work streams

  • Stage 2: Programme scope & planning

Includes Work stream scope definition, Organisation Structure and Roles and Responsibilities setup, Target Operating Model definition, SLA Definition, Data Validation and Mapping to ARM.Net.

  • Stage 3: Programme execution

Includes mobilisation of all programme resources, execution of agreed activities across all programme work streams, Communication, Risk and Budget Management. Key activities include data migration testing, physical file transfer, staff mobilisation and training.

  • Stage 4: Transition and service take-on

Includes Service Take-On Preparation, Migration Build and Test, Data Validation, Testing and Reconciliation and Cut-Over to Live Service. Pepper has a suite of tools that support data validation and reconciliation in order to help streamline the data migration process

  • Stage 5: Service transition and stabilisation

Includes Day 1 Checklist Verification, Integration of Systems and Migration to BAU.

  • Stage 6: Business as usual (BAU) service delivery

Includes Customer Service and Early Arrears Management, Arrears Support, Re-Structure, Workout and Resolution, Receiverships, Legal and Asset Recovery Management, Portfolio Performance Management and Monitoring and Continuous Improvement