She joins from Pepper Money, where she has worked as head of national accounts since 2019. Her previous experience also includes roles at Barclays, RBS, Lloyds Bank and Shawbrook Bank, where she was head of intermediary distribution.
Optimum Credit currently only offers second charge mortgages. The distribution and sale of these will be under the responsibility of Mirakian.
Under the integration, the Optimum Credit brand will be retired and its operations will continue under the Pepper Money brand. Pepper Money purchased Optimum Credit in 2018.
Pepper Money has said it wants to invest in its second charge business and recently announced plans to expand its second charge business development team.
Paul Adams, sales director at Pepper Money, will continue to oversee the first charge sales team.
Simon Mules, commercial director at Optimum Credit, said: “Caroline has extensive experience in intermediary mortgages and second charge lending and I’d like to congratulate her on this new role, which forms an important part of our plans at Optimum.
“We have said previously that our aim is to operate the leading second charge lender under the Pepper Money umbrella. We are currently working towards this milestone and will make a further announcement as soon as we are able.”
Mirakian (pictured) added: “I’m really excited about this new role and the potential we have at Pepper Money to grow our business by improving the lives of our intermediary partners and, ultimately, our customers.”