David Holmes

As one of Australia’s most renowned credit specialists in consumer, residential and SME lending, David has over 35 years experience in senior banking, credit and operational roles. He is a pioneer of the Australian non-conforming mortgage market and was instrumental in the development and growth of Pepper as Group Head of Credit and COO for nearly 17 years. Prior to joining Pepper, David was a pioneer of the specialist mortgage lending market in the UK with Preferred Mortgages. He also held senior credit and management roles with Citibank and Nationwide UK.