Copyright 2019 Pepper. 1
Pepper Global Internship Program
Copyright 2019 Pepper. 2
About Us
Pepper SummaryMajority owned
by leading global
investment firmW H O W E A R E
Pepper Group is a global leader
in investing, building, growing
and realising value in people-
focused alternative finance
businesses. We are specialists
in consumer and mortgage
finance, SME lending and asset
servicing.
Born in London, UK nearly two
decades ago, Pepper has
scaled its business across the
world by taking an opportunistic
approach to building and
investing in businesses where
we believe we have a
competitive advantage. We’re
more excited than ever to
continue this trend…and that’s
where you come in!
Copyright 2019 Pepper.
L E N D I N G A U M
AU$18bnG L O B A L B U S I N E S S E S
10 Companies in 12 countries
S E R V I C I N G A U M
AU$58bnT O T A L E M P L O Y E E S
2,500+
Copyright 2019 Pepper. 3
KKR is an experienced
and committed partner
KKR’s investment philosophy is focused
on long-term value creation and active
partnership with management to support
them in delivering their strategy
K K R
• Leading investment firm
with AUM of US$206 billion
• Global presence
• 107 Portfolio companies
that generate ~US$147
billion in annual revenues
E X P E R T I S E
• Extensive experience
investing in the financial
services industry
• KKR Credit’s long-term,
fundamental approach
to credit investment can
be leveraged to
Pepper’s benefit
P E P P E R I N V E S T M E N T
T H E S I S
• Positioned as a leading specialist
lending and loan servicing group
targeting segments that are
underserved by other lenders
• Opportunity to work with an
experienced and accomplished
management team that has been
critical to Pepper’s growth and
expansion
• KKR intends to continue supporting
Pepper’s focus on offering a unique,
diversified, global portfolio of financial
services and its portfolio optimisation
KKR through its financial services investment team and
credit investing platform expects to support the Pepper team
in continuing to consolidate and build out our company
across its key focus territories.
About Us
KKR Partnership
Copyright 2019 Pepper.
Copyright 2019 Pepper. Confidential.
Copyright 2019 Pepper. Confidential.
4
A Global ProgramSummer Internship Programme
S P A I N /
P O R T U G A L
U K
A U S T R A L I A
S . K O R E A
H O N G K O N G
B E P A R T O F A
G L O B A L C O M M U N I T Y
Pepper has always been
committed to investing in people.
From our origins in the early
2000s, Pepper has focused on
developing young talent and
providing career growth
opportunities.
Pepper’s new internship program
is run twice a year through a
Summer and Winter Class. The
Summer class is run across our
Australian and South Korean
Offices.
As an intern, you will have the
opportunity to collaborate with
other like-minded students
located around the world.
S U M M E R
C L A S S
W I N T E R
C L A S S
Copyright 2019 Pepper.
Copyright 2019 Pepper. Confidential.
5
What’s in it for me?Summer Internship Program
G L O B AL | C O L L AB O R AT I V E | I N N O TAT I V E
Global Community
• As a Pepper intern, you will be part of a
global Program spanning six countries
• While this cycle is focused on our
Australian and Korean offices, it is part of
a broader talent development Program
that includes the involvement of previous
interns
• This means you will work with people
across a variety of ages, backgrounds,
interests and universities
Opportunity
• Opportunity for exposure to senior
company executives through our
immersive Training Program
• Potential for ongoing work with Pepper,
and to become a permanent member of
our Global Community of Part and Full-
Time Graduates who work closely
together on international projects
• Paid internship at market-competitive
rates
Challenging Work
• Our priority is to give you responsibility
for your work. That’s why interns will be
given project-based work that is of
strategic significance to Pepper
• Interns will be expected to drive the work
themselves, collaborating with their
teammates throughout the world to
achieve the outcome
Copyright 2019 Pepper.
Copyright 2019 Pepper. Confidential.
6
What type of work will I do?Summer Internship Program
Copyright 2019 Pepper.
Market report for a country or region that Pepper is considering for expansion or
investment. The project would include an analysis of the macroeconomic environment,
competitive landscape, customer dynamics, and a concluding investment recommendation
with discussion of an appropriate entrance strategy.
Orchestrate deep-dive research into global and domestic trends within the fintech and
digital lending space, and what they mean for Pepper’s existing and future businesses.
Conduct research that targets a better understanding of the demand-profile of
millennials and Gen Z with respect to disruptive or innovative financial products.
Drive a fundamental research project into a prospective asset Pepper is considering
for investment.
“Our newly updated Program
offers a chance for interns to
become a permanent part of the
Pepper team, while working on a
range of important projects that
are mandated and used by the
broader Pepper business.”
MIKE CULHANE
CEO
Pepper GroupMarket
Report
Deep-Dive
Research
Investment
Analysis
Copyright 2019 Pepper. Confidential.
7
Why should I choose Pepper?Summer Internship Program
Copyright 2019 Pepper.
Our compensation is
competitive by industry
standards
Pepper is a fast
growing company
Opportunity for
creativity and
entrepreneurialism
We give you the
responsibility to
drive your own work
Opportunity to roll into
cadet and graduate
programs
Our programme
represents a global
opportunity
We are committed
to your
development
Get access to senior
executives and mentor
guidance
Copyright 2019 Pepper. Confidential.
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Previous InternsSummer Internship Program
Copyright 2019 Pepper.
Maria SerovaIntern – 2019
London Office
BSc Biochemistry – Oxford
Originally from Kyrgyzstan but studying in the UK, Maria joined us for the
Winter class of our Global Internship Program based out of our Regent Street
office in London. Maria worked closely with one of our Australian interns on a
deep-dive research project into how AI/ML is changing the supply chain
financing vertical. Despite having limit prior exposure to the financial sector,
Maria excelled across all fronts and will be returning to Pepper in 2020.
Nick ZylstraIntern – 2019
Sydney Office
BSc Economics & Entrepreneurialism – University of Virginia
Nick grew up in Sydney but currently studies Economics with a focus on
Entrepreneurialism in the States. Nick has held a number of leadership positions,
including Head Prefect of Scots College in 2015, and more recently as Student
President of the oldest fraternity in the University of Virginia. While at Pepper,
Nick drove a research project into consumer sentiment in Australian Banking that
provided strong context for a recent investment decision of Pepper’s.
“As someone from a non-financial background, I found the Program to be an
extremely valuable learning experience. The most enjoyable aspect for me was the
potential impact that our projects could have and the fact that we were able to
present our findings to the execs, as well as the balance between guidance and
freedom that we had with our projects. The learning element of it was especially
manifested by the high quality of training we were given. Despite being interns, we
were also essentially given daily access to those in the highest positions of the
company, who were happy to address any questions we had.”
My time at Pepper exceeded all my expectations. The interest the executives took in
the Program made us feel valued and encouraged me to continue working hard
every day. The scope of the projects was an exciting challenge, forcing us to
collaborate not only with our dedicated partners, but with the entire team of interns
across the world. While this had its own set of hurdles, I believe that working in this
environment taught me a great deal about not only the world of finance, but also
about how to be an active member of a global team. I can definitely say that my time
with Pepper was an incredibly experience and I am extremely grateful for the
opportunity.
Copyright 2019 Pepper. Confidential.
9
Who are we looking for?Who Can Apply?
Co-Curricular
• At Pepper, we’re just as interested in your
co-curricular experiences as we are your
university or professional experiences
• We’re looking for students with leadership,
entrepreneurial spirit, sporting,
volunteering or professional experience
C R E AT I V I T Y | C U R I O S I T Y | D I V E R S I T Y
University studies
• Pepper’s Internship Program welcomes all
students irrespective of age
• We are committed to building a team of
diverse problem-solvers, so we welcome
students from a range of disciplines and
degrees. If you’re interested, then apply!
Personality
• We believe finding the right type of person is
important to the long-term success of our
company. That’s why our interview process
includes psychometric and personality
testing
• Don’t fear, this is a chance to just be
yourself!
Copyright 2019 Pepper.
Copyright 2019 Pepper. Confidential.
Offer
• Receive an offer to
start with us on the 6th
of January!
10
How to applyWho Can Apply?
Copyright 2019 Pepper.
Interested in our opportunity?
Visit our website and apply through
the Global Internship Program page.
**Please note that we review applicants on a
rolling basis. We encourage you to apply early
as spots my fill before the close date. First Round
• Complete our online
applicant questionnaire
Second Round
• First-round
Competency-based
interview
Third Round
• Second and final-round
round case study
interview
Application Close Date
Sunday 25th Nov
Pepper Group Limited ABN 55 094 317 665. Australian Finance Services Licence 286655; Australian Credit Licence 286655
Pepper Asset Finance Pty Limited ACN 165 183 317; Australian Credit Licence 458899 © Copyright 2019 Pepper Group Limited.
All rights reserved.
Copyright 2019 Pepper. Confidential.
Copyright 2019 Pepper.