Pepper Advantage is a global credit intelligence company that specializes in multiple asset classes across Asia, Europe, and the United Kingdom, including residential and commercial mortgages, real estate, SME loans, asset financing and leasing, auto and consumer loans, credit cards, retail finance, and BNPL. It helps investors, financial institutions, fintechs, and banks manage and service their credit portfolios with a focus on clients who serve underserved communities. The focus of PIR in India is to offer end to end asset servicing or tailor-made solutions . PIR specializes in offering Collection services to Banks, ARCs and NBFCs.