About Us

Mike founded Pepper in 2000.
Extensive debt and equity capital markets experience, with a particular focus on structured finance, securitization, portfolio management and venture capital.

Responsible for implementing the company’s strategic direction and driving the organic growth initiatives in each of Pepper’s consumer lending, mortgage servicing and advisory businesses, across Australia, Asia and Europe.
Holds a Bachelor of Economics in International Relations from the London School of Economics.

Joined Pepper in 2019 as Executive Director & CEO of Pepper India.
Has over 35 years of experience in various roles  including Treasury, Corp. Banking, Compliance, Lending, and Asset Reconstruction in all of India.
Has held senior management positions in leading public sector Banks and as a CEO of an ARC specializing in retail NPL resolutions.
 

Joined Pepper in 2018, as Co-Head Principal Investments for Asia.
Has over 37 years of experience in various roles including Audit, CFO, COO, CEO of major corporates in Europe, USA, Hong Kong and Malaysia.
Over 10 years financial services experience as MD at Deutsche Bank, Standard Chartered and CEO at Westpac Singapore.

Mr Mukund Kulkarni has joined Pepper India Resolution (PIRPL) as the Chief executive Officer since 01st of July 2022. He is a MBA (Finance) from Hirachand Nemchand College of Commerce, Solapur. He is a versatile professional of 22 years and comes with a rich and comprehensive experience in Collections & Recovery Operations, Strategic planning, Risk Management & Client Relationship Management. In his earlier assignment, he has spearheaded a SME & Retail Loan division and led a team of 150+ members for recoveries. His Career spans over various roles in ARCIL, Barclays Investments & Loans India Ltd , Cholmandalam-DBS Finance  & ICICI Bank Ltd.

Fraser is the Chief Executive of Pepper’s Global Servicing Division, a leading Independent Global Credit Management platform with USD$55bn in AUM across nine jurisdictions. He has been with Pepper since early 2012. Prior to that he worked in Private Equity with Sydney headquartered CP2 and Oakwood Global Finance (a Pepper predecessor company) where he was responsible for originating, assessing and managing investment opportunities. He has also been involved with Pepper Group’s wider M&A and principal investment activities. He is a New Zealander by birth, Fraser was Educated at The University of Oxford, INSEAD and the University of Auckland.