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.

Australian Executive

Mario Rehayem

Mario Rehayem Chief Executive Officer Australia and New Zealand

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 Australia and New Zealand

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

John Williams

John Williams General Counsel and Group Company Secretary

John joined Pepper Group in February 2012 as General Counsel. John advises senior management and the Board on legal matters.

Michael Vainauskas bio

Michael Vainauskas Chief Risk Officer

Michael joined Pepper as the Chief Risk Officer (CRO) in August 2020. In this role he is responsible for both risk management...

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.

Anthony Moir

Anthony Moir Treasurer

Anthony commenced in February 2021 and is responsible for the leadership of Pepper’s treasury function in Australia.

Aaron Milburn

Aaron Milburn General Manager Mortgages and Commercial Lending

Aaron has responsibility for the strategic direction and operating performance across the product, credit, settlements and sales functions. He also acts as Pepper’s Country Head in New Zealand. 

Ken Spellacy

Ken Spellacy General Manager Asset Finance

Ken is Pepper Australia’s General Manager Asset Finance and also acts as Responsible Manager.

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.

Matthew Tinker

Matthew Tinker General Manager Operations

Matthew Tinker is the General Manager of Operations for Pepper. In his role Matthew is responsible for customer service, collections and hardship functions across all lending and servicing portfolios.


Group Executive

Mike Culhane

Mike Culhane Group CEO

Founded Pepper and Oakwood Global Finance LLP and is now Group CEO, based in Hong Kong.

Tom Saywell

Tom Saywell Group Head of Principal Investment

Tom joined Pepper in 2011 and is responsible for the Group’s Principal Investment activities.

Juan Gonzalez

Juan Gonzalez Group Chief Financial Officer

Juan has been with Pepper for over eight years and is responsible for the Group’s Finance and Treasury activities