Our people are our business

As you’ve probably guessed by now, we don’t do cookie-cutter.

We know only too well that diversity is one of the critical elements to a powerful team. Our people span all walks of life and backgrounds but we are united - by an attitude. It’s the same attitude that our partners share: Working with integrity and respect, to set people up for success.

Meet the team.

Board of Directors

The Directors of Pepper Money Limited bring to the Board a broad range of relevant experience and skills across a variety of industries including consumer lending, specialist lending, insurance, law, investment banking and mortgage broking.

Michael Culhane and Mario Rehayem’s in depth knowledge of the Pepper Money business through their executive roles is well complemented by Independent Non-Executive Directors who have deep experience in the financial services industry as well as at the board level.

Des O’Shea bio

Des O’Shea Non-Executive Director and Shareholder Representative Director

Des has more than 40 years’ global experience in Banking and Consumer Finance.

Mike Cutter bio

Mike Cutter Independent Non- Executive Director

Mike has over 30 years’ experience in the financial services industry, both in Australia and abroad.

Akiko Jackson bio

Akiko Jackson Independent Non-Executive Director

Akiko is an internationally experienced Non-Executive Director and strategy adviser.

Justine Turnbull bio

Justine Turnbull Independent Non-Executive Director

Justine has over 25 years’ experience in driving commercial business success with her specialist legal experience.

Rob Verlander bio

Rob Verlander Independent Non- Executive Director

Rob has held senior positions at investment and commercial banks, in Australia and the United Kingdom for over 35 years.

Mario Rehayem bio

Mario Rehayem Chief Executive Officer

Mario joined Pepper Money in 2011 and has held various roles including Managing Director, Australian Mortgages and Personal Loans, Director of Sales and Distribution, Australian Mortgages and Personal Loans.

Executive Team

Pepper Money’s executive team are highly qualified and experienced professionals in their respective fields. A number of the team have had a lengthy tenure at the wider Pepper Money group and come with a diverse and highly complementary backgrounds.

Mario Rehayem

Mario Rehayem Chief Executive Officer

Mario is responsible for the strategy and day to day management of all residential mortgage and unsecured personal lending in Australia.

Therese McGrath

Therese McGrath Chief Financial Officer

Therese is responsible for providing the operational leadership and financial management of the Australian business.

Sue Kent

Sue Kent Chief Human Resources Officer

Sue joined Pepper in 2009 as Head of Human Resources and works closely with Pepper HR teams across the globe.

Barry Saoud

Barry Saoud General Manager, Mortgages and Commercial Lending

Barry joined Pepper Money in 2021 and oversees the strategic direction and operating performance across product, credit, and settlements sales functions for Australia and New Zealand mortgages, commercial loans, personal loans, and direct sales.

Anthony Moir

Anthony Moir Treasurer

Anthony joined Pepper Money in February 2021 and is responsible for the leadership of Pepper’s treasury function including the strategic direction and execution of Pepper’s multicurrency funding programmes.

Ken Spellacy

Ken Spellacy General Manager, Asset Finance

Ken is responsible for the strategic direction, operational delivery and financial performance of Pepper Money’s Asset Finance business.

sarah pikardt

Sarah Pikardt General Manager, Marketing and Brand

Sarah leads the marketing effort and strategic development of the Pepper Money brand in Australia and New Zealand, with a focus on improving customer experience.

Matthew Tinker

Matthew Tinker Chief Service Officer

Matthew is responsible for the strategic direction and operating performance across Customer Service and Collections functions, as well as the operational responsibility for PSO Manila.


Michael Vainauskas bio

Michael Vainauskas Chief Risk Officer

Michael is responsible for ensuring that the Governance, Risk, Compliance and Control Strategies and Frameworks are designed and operating effectively.

Steven Meek

Steven Meek Chief Information Officer

Steven joined Pepper Money in 2021 and has overall responsibility for our digital, technology, data and analytics strategy and execution.

Neil Culkin

Neil Culkin Head of Credit and Settlements - Mortgages and Personal Loans

Neil Culkin is Pepper Australia’s Head of Credit and Settlements for its Mortgages and Personal Loans.

John Williams

John Williams General Counsel and Company Secretary

John advises senior management and the Board on legal matters, leads Pepper Money’s legal and secretariat teams, and manages the work of external legal advisors.