UK Executive Team

Richard Klemmer


Appointed as CEO in 2006, Richard has been associated with Pepper and its predecessor companies since 1999 and has over 25 years of experience in the lending and servicing markets across multiple jurisdictions. He has a proven track record in establishing and operating successful lending and servicing businesses globally. Richard has previously held board level positions with Pepper Homeloans in Australia, Future Mortgages in the UK, and IMC Mortgage Company in Florida, which included Preferred Mortgages Limited in the UK.

Richard Klemmer

Warren Justice


Warren joined Pepper as Chief Financial Officer in May 2014, bringing a wealth of valuable experience to the leadership team. He joined Pepper from Lapithus Servicing LLP, part of the Apollo group, where he served as CFO for three years. Prior to this he was Director of Finance at Principality Building Society and CFO of the Picture Finance Group. He has also held leadership roles at Nikko Principal Investments and Leybourne Brown Maclean. Warren is a Chartered Accountant and holds an MBA from London Business School.

Laurence Morey

Gerry McHugh


Gerry was appointed Chief Operating Officer in April 2014, having held the position of Director of Operations since 2011. Gerry has over 25 years financial services experience including Global Head of Credit Operations for Barclays Wealth, responsible for the origination and servicing functions of the Wealth management business. He has also held board level positions at Lehman Brothers Mortgage Capital Division and Global Home Loans and has considerable experience in all aspects of lending on a first and second charge basis with brands such as Barclays, Woolwich and SPML.

Tavona Chihambakwe