Governance

Corporate Governance refers to how a company is led and managed to ensure that it acts in the best interests of its stakeholders.  

How we’ll drive our ESG plans 

In 2023, we created a brand new role within Pepper Money to drive our commitments forward.

With ESG becoming even more important than ever before, Anthony Keeble has become our Director of ESG & Sustainability. Anthony will build upon the positive change we have already delivered in our Environmental and Social workstreams and lead our transition to a net zero carbon business. Anthony is passionate about ensuring that our business has a positive impact on our environmental and social legacy that we will leave behind for future generations. 

So far, here are some of the steps we have already taken: 

  • Set up the Women in Business initiative to better understand the lived experience of women in our organisation and to support them 
  • Published our gender pay gap to show transparency across the organisation
  • Establishment of our pro-active DE&I committee advocating the importance of allyship 
  • Roll out of unconscious bias and diversity training to all members of staff 
  • All senior members of staff complete the ‘Senior Managers and Certification Regime’ accredited by the FCA  
  • Require all staff to complete a ‘Conflicts of Interest’ form monthly to ensure unbiased judgement throughout the organisation
 

Pepper Money is regulated by the Financial Conduct Authority, an independent organisation that regulates the financial services industry and financial markets within the UK.

We are also members of the following organisations: 

  • The Finance & Leasing Association(FLA) is the UK’s leading trade association for the asset, consumer, and motor finance sectors in the UK 
  • The Intermediary Mortgage Lenders Association(IMLA) is the trade association that represents the views and interests of the UK mortgage lenders involved in the mortgage business through professional financial intermediaries.
  • UK Finance is the collective voice for the banking and finance industry. Representing more than 300 firms across the industry

Anthony Keeble, CFO

Anthony Keeble,
Director of ESG & Sustainability

Consumer Duty

Consumer Duty is new regulation that sets the standards and expectations organisations within the financial market must follow. In July 2022, the FCA set out the final rules and guidance for a new Consumer Duty that comes into force on the 31st of July 2023. 

We have been carrying out a value assessment of all Pepper Money products by the 30th of April 2023 and regularly review these products for the duration they are available to customers. 

To ensure that:  

  • Consumers receive fair prices and quality
  • Consumers receive suitable products and services and receive good treatment
  • Consumers have a strong confidence and levels of participation in markets
  • Diverse consumer needs are met 

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