Joanne (Jo) Thrift joined Pepper in November 2014 in the role of Chief Marketing Officer. Jo is a senior marketing professional with over 20 years' experience in Financial Services across a range of products/sectors including Mortgages, Credit Cards, Insurance, Superannuation, Wealth Management, Advisory, Business Banking and Investment Banking. Jo is responsible for Pepper Group’s global brand strategy including the recent launch of Pepper Money which is now the Group’s consumer lending brand. She is also responsible for driving an active portfolio of marketing, digital, corporate affairs and product initiatives to attract borrowers who are looking for a genuine consumer finance alternative. Prior to joining Pepper Jo’s most recent role was Marketing Director for Macquarie Bank where she was a member of the Banking & Financial Services Group's Executive and Operations Committee, leading the marketing program to grow the bank's retail client base in Australia. Prior to her Banking & Financial Services Group role, Jo held other senior roles at Macquarie, including Head of Marketing for the Business Banking division, the Institute of Chartered Accountants, Lloyds Insurance Corporation in the UK and she has also worked as a marketing consultant for Endgame Communications in Australia.