Pepper Advantage, a global credit management and technology company, has appointed Brendan Twomey as Chief Technology Officer (CTO) and promoted Gary Stockley to Chief Product Officer (CPO) to drive its technology transformation and product innovation. These leadership changes align with the company’s growth strategy following its acquisition by J.C. Flowers & Co.
Brendan Twomey appointed CTO to lead Pepper Advantage’s technology strategy.
Gary Stockley promoted from CIO to CPO to oversee product development.
Both will advance PRISM, Pepper Advantage’s proprietary credit management platform.
Twomey brings 25+ years of experience from 10x Banking, Lloyds, and RBS.
Stockley has driven PRISM’s development since joining in 2019.
Appointments support Pepper Advantage’s $55B asset management expansion.
Announced on September 3, 2025, Brendan Twomey’s appointment as CTO and Gary Stockley’s promotion to CPO mark significant steps in Pepper Advantage’s pursuit of technological and product excellence. Both leaders, based in London and reporting to Global CEO Fraser Gemmell, will enhance PRISM, the company’s proprietary credit management platform, which leverages advanced data and analytics for automated, regulation-compliant workflows. “As the credit landscape evolves, the need for intelligent, modular, and data-driven platforms has never been greater,” said Gemmell.
As CTO, Brendan Twomey will lead the development and execution of Pepper Advantage’s technology strategy, focusing on scaling PRISM to meet global client needs. With over 25 years of experience, Twomey previously played a pivotal role at 10x Banking, building cloud-native platforms for innovative financial institutions. His prior roles at Lloyds Banking Group and the Royal Bank of Scotland involved leading large-scale transformation initiatives and modernizing legacy systems, positioning him to accelerate Pepper Advantage’s innovation agenda.
Promoted to CPO, Gary Stockley will oversee the development of Pepper Advantage’s product suite for institutional investors, banks, and portfolio managers. Since joining in 2019 as Head of European Systems and becoming CIO in 2022, Stockley has been instrumental in PRISM’s development. With over two decades in the mortgage and loan industry, his deep expertise ensures continued evolution of Pepper Advantage’s credit management offerings.
PRISM, central to Pepper Advantage’s strategy, offers advanced data analytics and automated workflows to manage portfolios across the credit lifecycle. The platform supports various asset classes, including mortgages, SME loans, and consumer credit, helping clients achieve better outcomes while adhering to regulations. The leadership of Twomey and Stockley will further enhance PRISM’s capabilities, driving smarter, data-driven solutions for clients globally.
The appointments follow Pepper Advantage’s acquisition by J.C. Flowers & Co., signaling a strategic push to expand its $55 billion in assets under management across Asia, Europe, and the UK. The company’s focus on technology and product innovation positions it to meet the growing demand for intelligent credit management solutions in a dynamic financial landscape.
Pepper Advantage is a global credit intelligence company that offers a range of data-led and credit management services via a technology platform that spans across Asia, Europe, and the United Kingdom. The company, with $55 billion (USD) assets under management, operates in multiple asset classes including residential and commercial mortgages, real estate, SME loans, asset financing and leasing, auto and consumer loans, credit cards, retail finance, and BNPL, in addition to offering outsourced operational support services to both financial and non-financial clients.
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