"Alone we can do so little, together we can do so much."
Helen Keller

Meet the iPensions Group team

We are pension administrators, industry experts and above all, partners in supporting your clients’ retirement needs. Our people make the difference, and that starts with our leadership team. Our diverse team brings the unique talents, experiences and perspective that drive innovation and efficiency in all areas. We combine our extensive knowledge of the industry and pensions sector with a breadth of experience, a passion for innovating technologies and intense diligence to ensure we are the partner you can rely on when it comes to pensions.

Mark Gaywood

Mark Gaywood
Group Chairman

The founder and Chairman of iPensions Group, Mark is an entrepreneur with board level experience in international banking and investment. Mark combines three decades of financial services sector experience with the senior management team’s extensive knowledge to deliver new products and initiatives. By working closely with senior colleagues, Mark defines the vision and strategic direction for iPensions Group which has enjoyed impressive growth under his leadership.

Sandra Robertson
Group CEO

An experienced Group CEO, Sandra brings over 30 years of financial services leadership to iPensions Group. Vastly experienced in designing and implementing growth strategies, Sandra has also delivered company turnarounds, secured acquisitions and launched new start-ups. With over 15 years’ board level experience, Sandra transitions seamlessly between sectors. She holds an MBA from Henley Business School, a first-class honours in Business Studies, the Certificate in Company Direction from the Institute of Directors and is a Fellow of the Chartered Management Institute.

Craig Cheyne
Managing Director

Craig brings over 30 years’ financial services experience along with valuable insight to the IFA sector to iPensions Group. Having previously worked in the banking industry before qualifying and building a career as an IFA, Craig focused on investment and pensions advice before moving on to relationship management. Prior to joining iPensions, Craig gained international experience in Singapore and South East Asia, working with expatriate wealth distribution channels for a large global life company.

Hrishi Kulkarni
Group Chief Technology Officer

With over 20 years’ experience in the technology industry, Hrishi has worked with start-ups, mid-sized firms and large corporations across a range of sectors including financial services. As CTO, Hrishi sets the vision and technology strategy, drives platform development and ensures our data security. Focused on delivering scalable, secure and efficient technology platforms, Hrishi transforms user experiences and improves multi-channel customer interactions.

Heather Smyth
Group Legal Counsel

Heather brings extensive experience of the legal services industry gained in both private practice and in-house environments. Having held senior management positions – including heading up legal and insurance teams in both the aviation and construction sectors – Heather commands considerable legal and commercial expertise. Her main areas of proficiency include commercial, corporate and insurance work, commercial contracts, corporate governance, risk and compliance.

iPensions Group

Josef Micallef
Group Chief Financial Officer

Having worked as a Senior Accountant with one of the Isle of Man’s leading corporate services providers and as an Assistant Finance Manager with an EU regulated financial institution, Josef brings instrumental competencies to iPensions Group. Highly qualified, Josef is a Fellow of the Association of Chartered Certified Accountants, a certified Public Accountant and holds two bachelor degrees in accountancy and commerce.

Csilla Balint

Csilla Balint
Group Head of Marketing

An award-winning marketing professional with over 10 years’ experience, Csilla brings significant international experience and a wealth of strategic marketing expertise to the team. As Group Marketing Manager, Csilla oversees client and adviser communication and is responsible for the overall brand management and corporate identity. A graduate of Robert Gordon University with an honours degree in Management with Marketing, Csilla also holds a master’s in Strategic and Digital Marketing.

Bernadette Saker
Group Head of Sales

Bernadette is responsible for leading business development for iPensions Group and for building relationships with intermediaries across the globe. She brings over 30 years’ experience in financial services, covering all aspects of private banking and fund distribution, and over 10 years specialist expertise in pensions. A member of the Chartered Institute for Securities and Investment, Bernadette holds numerous qualifications including one in Islamic Finance, IAC, CEFA and CEMAP.

Time to talk!

If you are looking to find out more about our award-winning offering and our technology enhanced solutions, contact our team below.