Pepper Money UK Tech Stack

Specialist mortgage lender for underserved borrowers via intermediaries

Financial Services London, England 201–500 employees Founded 2015 Privately Held

Pepper Money lends to borrowers traditional lenders reject—self-employed, complex income, poor credit history, limited company BTL. The tech stack is finance-operations focused (SAP, Power BI, SQL, LexisNexis) rather than platform-native, reflecting a regulated lending operation where underwriting and compliance dominate. Hiring accelerates across sales (6 roles) and HR (4 roles), while pain points cluster around reporting inefficiency and application accuracy, suggesting internal tooling and process maturity gaps that hiring alone won't solve.

Tech Stack 18 technologies

Core StackSAP Power BI SAP SuccessFactors Python Power Query Microsoft Office Word Excel VBA SQL DAX SharePoint R SuccessFactors PowerPoint Teams LexisNexis Microsoft Fabric

What Pepper Money UK Is Building

◆Challenges

Process inefficiencies in reporting
Process efficiency enhancement
Improving packaging performance
Improving service levels
Accurate application processing
Accurate payroll delivery
System optimisation
Enhancing hr efficiency
Generating new business from mortgage intermediaries
Effective financial crime controls

▲Active Projects

Firmwide wellbeing initiatives
Benefits portal maintenance
Product roadmaps across mortgage lines
Pricing evaluation and modelling
Digital product enhancements
System enhancements and upgrades
Mass data uploads for pay review and bonuses
National outbound calling campaign
Go-to-market campaigns for new propositions
Brand campaign across trade and fs press

Hiring Activity

Accelerating20 roles · 15 in 30d

Department

Sales

Finance

Marketing

Product

Data

Legal

Seniority

Senior

Manager

Mid

Junior

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About Pepper Money UK

Pepper Money is a UK-based specialist mortgage lender founded in 2015, operating exclusively through mortgage intermediaries. The company originates residential and buy-to-let mortgages for borrowers who face barriers with mainstream lenders—self-employed individuals, those with previous financial difficulties, young credit histories, and limited company structures. With 201–500 employees based in London, the company runs a traditional lending operation supported by SAP, SQL analytics, and Power BI reporting, with regulatory compliance tooling (LexisNexis) embedded throughout. Revenue derives from mortgage origination and intermediary partnerships.

HeadquartersLondon, England

Company Size201–500 employees

Founded2015

Hiring MarketsUnited Kingdom, Philippines

Frequently Asked Questions

What is Pepper Money's mortgage lending focus?

Pepper Money originates residential and buy-to-let mortgages for borrowers rejected by mainstream lenders, including self-employed, those with complex income, poor credit history, and limited company structures.

What tech stack does Pepper Money use?

Core systems include SAP (ERP), Power BI (analytics), SQL (data), LexisNexis (compliance), Microsoft Office suite, and Power Query. The stack reflects a regulated lending operation with heavy emphasis on reporting and regulatory controls.