In this episode of The Specialist Podcast, host Rob Barnard is joined by Pepper Money’s Chief Financial Officer, Andy Voss, for a deep dive into what powers one of the UK’s leading specialist lenders.

Andy shares his journey to the C-suite and reflects on how his role has evolved through some of the most volatile market conditions in recent years. Together, they explore the role capital markets execution plays in Pepper’s model, including a strong track record in securitisation and ambitious funding plans, growing from £2bn across five deals last year to a targeted £3bn across six deals.

They discuss what’s driving this growth, the strategic importance of accessing new capital pools such as the US 144A market, and how investor sentiment is shifting across the sector. Andy also shares his perspective on whether we’re seeing a “flight t ...