Pepper Advantage has formally launched PRISM, its new end-to-end credit management system that brings mortgage servicing, workflow automation and data analysis together in a single platform.
Developed in-house, the technology aims to replace fragmented legacy systems with an integrated toolset offering real-time insight into portfolio performance.
The company has already migrated more than £1.5 billion of assets under management to the system, representing over 17,000 loans for 12 clients across the UK and Spain. This includes its largest transition to date, an internal portfolio worth nearly £400 million.
PRISM incorporates a fully integrated mortgage management engine supported by automated workflows, advanced analytics and live data visualisation. Pepper Advantage said the system gives users earlier visibility of risk, improves operational efficiency and supports the reporting requirements expected by regulators.
The platform is now fully embedded within banking infrastructure, enabling daily data migration from multiple lenders. PRISM’s data architecture cleanses and aggregates this information for end investors, allowing portfolios from different originators to be securitised. The firm described this as a significant step forward in a market where outdated systems remain common.
Fraser Gemmell, group chief executive of Pepper Advantage, said: “PRISM is hitting milestone after milestone, with demand far exceeding expectation. It offers the seamless, tech-driven experience clients crave while supporting an improved borrower experience.
“Our team has created the new standard in credit management technology, one that allows us to better serve customers, opens up new direct lending opportunities, and provides a faster go-to-market path for both traditional and non-traditional lenders.
“The rollout follows sustained investment by Pepper Advantage in its technology, including data, software and artificial intelligence capabilities. PRISM is intended to support portfolios of all sizes and credit types, from residential mortgages and equity release to unsecured loans. Buy-to-let functionality is scheduled for launch in 2026.
“The platform can be white-labelled and configured to fit into new or existing systems, with Pepper Advantage positioning PRISM as a modern interface that removes the need for lengthy internal development.”
