David Holmes

David Holmes

Chief Operating Officer

Appointed in August 2000 as Pepper’s Chief Operating Officer, David Holmes brings a wealth of experience in the non-conforming home loan market to Australia. David is responsible for the strategy, development, implementation and ongoing monitoring of Pepper’s credit policy and procedures. He oversees all of Pepper’s servicing operations teams; this includes Underwriting, Business Processing, Customer Service, Collections, Settlements and Compliance and is ultimately responsible for all aspects of Pepper’s lending criteria and end-to-end operations processes.

Prior to joining Pepper, he was involved in pioneering the non-conforming home loan market in the UK while working as a senior credit executive with the established Preferred Mortgages. Earlier, he was a financial advisor with, Abbey National, a major UK Bank, which he joined after a successful career in underwriting with Citibank and earlier as branch manager with Nationwide Building Society, Britain’s largest building society.