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Pepper India Resolution Private Limited” incorporated in October, 2019 - a JV between Pepper Group and ABK Resolution, with an objective of entering into the financial services business in India, especially in the retail NPL market and specializes in Distressed Asset Management & Resolution. Pepper India Resolution is a diversified global financial services business. We specialize in advisory and third-party Loan Servicing and Asset Management

PIR is a subsidiary of Pepper Group, a diversified global service provider.


Our Values

Can do

We look outside the box and deliver on our promises.


We know how to balance risk and opportunity.


We have a people-first mindset and are always upfront.

Pepper has benefited a superior leadership team - from our strong, active and independent board members to our experienced and globally distributed senior management team

Mike Culhane

Mike Culhane

Mike founded Pepper in 2000.
Extensive debt and equity capital markets experience, with a particular focus on structured finance, securitization, portfolio management and venture capital.

Responsible for implementing the company’s strategic direction and driving the organic growth initiatives in each of Pepper’s consumer lending, mortgage servicing and advisory businesses, across Australia, Asia and Europe.
Holds a Bachelor of Economics in International Relations from the London School of Economics.

Group Chief Executive Officer and Director

Asokan Arumugam

Asokan Arumugam

Joined Pepper in 2019 as Executive Director & CEO of Pepper India.
Has over 35 years of experience in various roles  including Treasury, Corp. Banking, Compliance, Lending, and Asset Reconstruction in all of India.
Has held senior management positions in leading public sector Banks and as a CEO of an ARC specializing in retail NPL resolutions.

Executive Director & 
CEO of Pepper India

Juan Gonzalez

Juan Gonzalez

Has been with Pepper for over 8 years focused on business development and investments.
Currently based in Hong Kong; previous locations with Pepper include London and Sydney.
Has over 15 years of investment banking and financial services experience in the USA, UK and Australia.
Holds an MBA from Yale University and BA in Economics from Grinnell College

Non-executive Director /
Group Chief Financial Officer , Principal
Investments Group

Ravi Manchanda

Ravi Manchanda

Joined Pepper in 2018, as Co-Head Principal Investments for Asia.
Has over 37 years of experience in various roles including Audit, CFO, COO, CEO of major corporates in Europe, USA, Hong Kong and Malaysia.
Over 10 years financial services experience as MD at Deutsche Bank, Standard Chartered and CEO at Westpac Singapore.

Non-Executive Director & 
Co-head principal Investments
Asia-Asean & India

Pepper India Team

Reji John

Head of Operations

Sidharth Tiwari

Head Of Collections

Jayraj Joshi

Head -IT

Jigar Mody

Senior Associate – Business Analysis and Investments

Hazeline Pimenta

Head of Marketing

Chander K

Business Consultant

N V Choudary

Senior Advisor

Adesh Seth

Senior Advisor