Pepper Advantage has appointed Andy Golding as its first Group Board Chair, effective 1st October 2025.
The move marks a key milestone for the global credit management and technology firm as it embarks on a new phase of growth under the ownership of private investment firm J.C. Flowers & Co.
Golding is currently CEO of OSB Group PLC, the UK’s leading specialist lending and retail savings group.
Since joining OSB in 2011, he has overseen strong growth in deposits and loan originations, as well as a strengthened capital and liquidity position.
His previous roles include chief executive of Saffron Building Society and senior positions at National Westminster Bank, John Charcol Limited, and Bradford & Bingley. He has also served on several commercial and charity boards as a non-executive director.
Commenting on his appointment Golding said: “I am delighted to be joining the board of Pepper Advantage at such an important time in the company’s development.
“I relish the opportunity to help using my industry knowledge and experience and look forward to working with the executive team and board to further build on the strong foundations the company has created as it steps into a new phase of growth and innovation.”
Fraser Gemmell, group CEO of Pepper Advantage, said: “I look forward to working closely with Andy to strengthen Pepper Advantage’s position and spearhead the rollout of innovative technological solutions, including our proprietary credit management platform PRISM.
“His extensive leadership experience will be invaluable as we transform our company and further expand our ability to provide clients and borrowers with the best possible service.”
Golding’s appointment follows a series of board additions as Pepper Advantage expands its leadership team.
Antoinette Dunne and Mark Nieuwendijk have recently joined the Group Board, bringing expertise in credit management, software, and data product development.
In addition, Dr Hillary Ray and Michael Gibbons were appointed as independent non-executive directors to the Pepper Advantage UK board in September, following the company’s acquisition of Computershare’s UK mortgage servicing business.
The deal, subject to regulatory approval, is expected to nearly double Pepper Advantage’s UK assets under management to approximately £50bn.
