ABOUT US
Jigsaw Management Consultancy was set up to help businesses manage essential contracts properly — not just at the point of sale, but throughout their lifecycle.
We work alongside organisations to remove unnecessary cost, reduce risk, and bring clarity to areas that are often opaque or poorly managed.
Our role is straightforward:
to act in your best commercial interests — not ours.
Our mission is clear: 'we do, so you don;t have to'.
How We Work
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We’re independent. We don’t push suppliers or products.
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We focus on long-term oversight, not one-off deals.
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We explain options clearly — including when staying put makes sense.
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We prioritise risk, structure and accountability, not headline savings.
Most of our clients already pay an equivalent cost of contract management in some form, without receiving it.
We make it visible — and make it work properly.
What this looks like in practice
Depending on the business, this might involve:
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Reviewing existing supplier contracts and pricing structures
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Identifying hidden fees, historic commissions or avoidable risk
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Managing supplier engagement and escalation
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Tracking renewals, termination windows and compliance obligations
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Acting as a single point of oversight across multiple services
We don’t add layers.
We remove friction.
Meet the Team
Our leadership team brings deep commercial, financial and operational experience across regulated business services.
Managing Director
Scott Ratcliffe
Scott leads Jigsaw with a focus on commercial clarity and long-term value for clients.
He has over 25 years’ experience building and running businesses in highly regulated sectors, including telecoms, utilities and broker-led markets. Much of that time has been spent fixing poor commercial structures, misaligned incentives and contracts that no longer serve the customer.
Scott’s role is to set direction, challenge convention and ensure Jigsaw operates independently, transparently and in the client’s best interests — from day one and over the long term.
Finance Director
Matthew Cleary
Matt is a Chartered Accountant with deep experience across audit, financial leadership and growing owner-managed businesses.
He trained at PricewaterhouseCoopers before moving into senior finance roles, including Finance Director positions in manufacturing, software and telecoms-related businesses. He has worked both inside large organisations and as a shareholder-director in growing companies.
At Jigsaw, Matt ensures decisions are grounded in robust financial analysis, clear risk assessment and commercial reality — not headline savings or short-term gain.
Operations Director
Mike Freeman
Mike is responsible for how Jigsaw’s service is delivered day to day and plays a central role in shaping our commercial strategy and market positioning.
He has over 20 years’ experience in senior leadership roles across financial services, brokers, insurers and mutual organisations, with a strong focus on operational control, customer outcomes and continuous improvement.
Mike ensures that once a strategy is agreed, it is executed properly — with clear ownership, consistent oversight and minimal disruption to the client’s business.
Why businesses choose Jigsaw
Many advisory firms focus on the moment of sale.
We focus on what happens after.
That means fewer surprises, clearer accountability, and contracts that continue to work as your business evolves.
We don’t replace your team - we do, so you don't have to
We give them clarity, structure and support.
If you’d like to understand whether this approach is right for your business, the first step is a simple, no-obligation review.