CHILLIMINT - Key Persons


Alex McVicker

Job Titles:
  • Senior Consultant
Together with Brian, Alex is responsible for our Real Time Payments practice. He works directly with our clients, actively and passionately pursuing the best outcomes for their business. Alex brings a spirited and grounded approach and is responsible for leading our Analyst teams in delivering against our client's objectives. Projects he has delivered range from retail business banking strategy, TOM review and implementation, Real Time Payment platform research and analysis, and marketing campaigns to name a few. Over the last 12 months he has been leading a team of Analysts in delivering Confirmation of Payee, a brand new overlay service for the UK payments market. Alex started his career in Sales with an Engineering background before deciding to retrain in financial services. Subsequently, he graduated 1st Class with Honours in Economics and Finance from the University of Southampton. He enjoys talking about Kenya, his home country, and also plays squash competitively in the Warwickshire leagues.

Andrew Jones - Managing Director

Job Titles:
  • Managing Director
With a career spanning more than 30 years, Andrew has held a variety of executive positions in banking and the mobile industry. He has a proven aptitude for strategy development, P&L and commercial management and in leading all categories of retail banking products and services; from savings, mortgages and loans to the full range of current accounts, including cards and payments.

Bavneeta Takhar

Job Titles:
  • Senior Consulting Analyst
Bavneeta has joined us from the University of Leicester where she studied Mathematics with Management. She brings enthusiasm and strong analytical skills to the role.

Brian Cunnington - CEO

Job Titles:
  • Managing Partner
Brian has over 35 years experience in banking and payments, specialising in new technologies and payment services. He has particular expertise in market and customer adoption of payments. Recently, he's helped shape the payments architecture for a challenger bank and designed a business architecture at an industry level for a future payments environment. Brian has a deep understanding of payments and card issuing and the associated systems and processes, including a thorough knowledge of payment regulations. His extensive experience in product management and development, project management and planning ensures he is able to stand in the shoes of the client and their customers.

Ellie Lake

Job Titles:
  • Strategic Marketing Consultant
Ellie joined us from the University of Birmingham where she graduated 1st Class with Honours in Business Management. Over the last 12 months she has worked across a variety of projects on real time payments, card portfolio analysis, B2B payments, and merchant & issuer payment product solutions amongst others. A personal highlight for her was supporting a client's bid on two concurrent RfPs. Ellie coordinated 4 different teams across 4 different time zones in drafting the responses to hundreds of questions. Outside of the office she has achieved international success on the squash court and was formerly part of the Army reserves officer training corp.

Emily Ward

Job Titles:
  • Head of Design
Emily joined us from Visa Europe, bringing 10 years of valuable experience in the payments and marketing industry. She is the creative addition to our team, bringing a visual flair to everything that we do. Emily puts our client's needs at the centre of her work, taking their ideas and presenting them in creative, exciting, and insightful ways. She has worked on co-brands and partnership campaigns for high profile banks and retailers. Creating the designs for cross-border digital campaigns, PowerPoint propositions and infographics, as well as merchandise and large scale digital and print assets for sponsorship events and festivals, such as The Olympics, FIFA & Boardmasters. Emily studied Art at University for the Creative Arts in Surrey and Graphic Design and Illustration at Hertfordshire University. In her spare time, she watches and plays ice hockey with her daughter and enjoys going to gigs.

Gurjeev Satsavia

Job Titles:
  • Senior Consulting Analyst
Gurjeev brings an enthusiastic and logical approach to all he does. He has been involved in a range of projects such as RfP responses, card growth strategy, and marketing communications. Recently he analysed the card usage data for a retail bank in the Nordics that informed their 5 year card growth strategy. Gurjeev attended the University of Manchester where he completed a degree in International Business Finance and Economics, he then went on to complete a Masters in Finance, graduating with Merit. Outside of work Gurjeev is a keen sports enthusiast. He is a member of his local boxing gym and cricket club, whilst also maintaining a strict gym routine as part of his bodybuilding hobby.

Harvey Dayal

Job Titles:
  • Senior Consultant
Harvey has worked across a variety of projects from customer experience, card portfolio optimisation, strategy development, to marketing campaigns. He has also recently produced sales presentations for a wide range of banking products & solutions, engaging directly with product experts to develop a clear and engaging narrative. Recently he led the delivery of a number of high growth strategies for our clients across the Nordics. Harvey graduated from Lancaster University with a degree in Economics. He is a passionate football fan and regularly debates on the future of boxing with Simeon and Gurjeev.

Neil Ludvigsen

Job Titles:
  • Research Analyst
Neil brings a level of journalistic and creative writing to power our Research and Insights function. He has also supported a major UK retail bank in re-writing all of their debit and credit card marketing communications, and the launch of a new debit card homepage. Recently he has been deeply involved in developing our internal methodologies that underpin the quality of our project delivery. Neil graduated 1st Class with Honours in History from the University of Kent. A proud Yorkshire man, he enjoys travelling, watching the football and is an avid supporter of his local rugby league team, Wakefield Trinity.

Santosh Nakra-Shah - CEO

Job Titles:
  • Managing Partner
  • Shah / Managing Partner
San has over 20 years' experience in retail banking and mobile. During this period she has held key roles in new product development, customer proposition design and business strategy, where she has been responsible for delivering many landmark product launches and new business propositions. Since launching ChilliMint, San has worked primarily with Visa as the lead client interface across many of the leading UK&I Issuing Banks. In her role at Visa she has delivered more than 50 assignments ranging from proposition & product development, business insight and analysis as well as developing turnaround strategies that drive increased levels of customer engagement and bank profitability. San brings her natural enthusiasm and proven industry experience to every assignment, using this to quickly understand the problem and develop new thinking and business solutions.

Sarah Matthews

Job Titles:
  • Office Manager
Sarah is responsible for managing our office and all the administration activities associated with this, including all HR processes, accounting and company administration.

Simeon Borisov

Job Titles:
  • Consultant
Simeon has a wide range of experience across card portfolio optimisation, marketing, strategy and project management. He has put this to great effect working closely with banks, payment system operators and payment institutions to help solve their challenges and drive business value. In the last 12 months he has quickly developed a specialist knowledge in Real Time Payments, directly supporting clients in writing compelling bids for major Real Time Payments platform RfPs. Simeon has earned his Masters in Finance and Investment from Durham and prior to that, a degree in Economics from Loughborough. When he's not at the office, he is a keen boxing fan and is also learning how to restore an old classic car to its former glory.