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.

Group Executive

Mike Culhane

Mike Culhane Group CEO

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

Cameron Small

Cameron Small Group Chief Financial Officer

Cameron is responsible for managing Pepper's Global Finance, Tax, Treasury, Legal and IT teams.

Tim Cecil

Tim Cecil Group Chief Risk Officer

Tim is responsible for the leadership of Pepper’s Global Risk Management function.

Andrew Twyford

Andrew Twyford Australian Treasurer

Andrew is a senior treasury executive with over 20 years’ experience spanning roles at both Bank and Non Banks in Australia.

Tom Saywell

Tom Saywell Group Head of Principal Investment

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

Australian Executive

Mario Rehayem

Mario Rehayem CEO Australia

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

Bernie Campbell

Bernie Campbell Chief Commercial Officer

Bernie is responsible for driving business growth and market share across Pepper Money.

Therese McGrath

Therese McGrath Chief Finance Officer ANZ

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

Thierry Merand

Thierry Merand Chief Risk Officer - Australia

Thierry is responsible for Pepper’s Risk Management function, overseeing the Credit, Market and Operational Risk teams.

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.

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.

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. 

Joanne Thrift

Joanne Thrift Chief Customer Experience Officer

Joanne (Jo) joined Pepper in November 2014 in the role of Chief Marketing Officer and in April 2019 took on the role of Chief Customer Experience Officer.

Jeremy Francis

Jeremy Francis Chief Information Officer

Jeremy is responsible for creating customer and business value through technology, with a focus on risk and reliability.

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.

Ken Spellacy

Ken Spellacy General Manager Asset Finance

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