More than 400 people across 6 locations with more than 15 nationalities. We are young, we are diverse and we love our work.



We are 32 years old on average. Our people are ambitious, friendly and fun individuals


10 languages are spoken in our offices, but we stick to English to keep things simple.


Russia houses two offices, of which one is the biggest office followed by Latvia and Poland.


We love basketball, but most of all we enjoy the great outdoors. Boots, hiking, biking you name it.


Parties, events, trainings, workshops - we love to work as much we love to play.


For our team no challenge is bold enough - we challenge ourselves and industry every day!

Group Management


Armands Broks

Founder & Group CEO


As the Chief Executive Officer of TWINO Armands is responsible for leading the development and execution of the company's long-term strategy with the aim of creating shareholder value. He gains new entrepreneurship expertise every time TWINO enters a new market, and that gives him the understanding of the global business thinking, values and opportunities.

Armands holds an MBA from the Stockholm School of Economics in Riga and he has been a private business owner for over 8 years.

"Challenging myself to step out of comfort zone is my inspiration."


Karīna Caunīte-Orupe

Lending Operations & Risk Management


Karina has been working in risk management for more than 10 years. She started her journey in credit risk management at one of the leading leasing companies in Latvia where she was responsible for development and introduction of the first credit rating model for private and legal entities.

Karīna joined TWINO Group in 2014 and helped the company to develop an effective multi-level risk management system for all company’s brands as Risk Management and BI Lead. Now Karīna oversees all core business functions as Group Lending Operations and Risk Management Lead.

Karīna holds two M.Sc. degrees - one in Business administration, major European Studies, from the University of Latvia and MBA from Riga Business School.

"I have been working in risk management for a long time, and I still keep learning every day because risk management is boundless. I am inspired by the continuous inquisitiveness I see around me."


Anastasija Oļeiņika



Anastasija in TWINO Group Chief Financial Officer. Anastasija leads Group financial planning and analyses as well as supervises all Group finance teams. 

Prior TWINO Anastasija worked in Corporate Finance and as a team lead in Financial Planning and Analysis in a fintech. She gained valuable experience coordinating annual Group budgeting and monthly forecasting process for 16 countries, and more than 30 products. Anastasija holds a Bachelor’s degree in finance and economics from Stockholm School of Economics in Riga. 

 "At TWINO we ask what can we bring to future, not what the future can bring to us. We are action-oriented, speed matters in our industry, it matters in our company."


Laura Krastiņa

People&Communications Lead


To ensure people agenda is one of the top priorities as well as internal and external communication goes hand in hand, People (HR) and Communication functions are merged in TWINO Group and lead by Laura.  

Laura previously was board member and Communication director in Carlsberg Group companies in Latvia and Estonia. She has seven-year-long career as a journalist, covering the economy, as well as served as the Managing Director for a food industry lobbying organization. Now at TWINO Laura uses her diverse and strong experience in to lead Group external and internal communications as well drive Group people agenda in innovative and forward looking manner. 

"Constant change and striving for better results are what motivate me and TWINO provides this motivation. FinTech is the future. Question is whether you want to be part of it."


Roberts Lasovskis

P2P Platform Lead


Roberts is responsible for leading the growth, strategic development and innovation pipeline of TWINO P2P investment platform.

Prior becoming the platform lead, Roberts worked in TWINO as Investor Adviser, closely communicating with our investors and working on strategic development.

Roberts holds a Bachelor’s degree in finance from BA School of Business and Finance and has worked in the online bank Dukascopy and Marsh&McLennan Companies. His previous experience has resulted in strong analytical and communication skills that Roberts now applies to lead TWINO investment platform.

"All the great things ever made were just some small ideas at the beginning. Be creative, be brave and make your goals happen."


Nauris Bloks

IT Lead


IT development in TWINO Group is lead by Nauris, who ensures innovative and progressive approach in all areas.

Nauris has experience in various IT areas - governance, support and security management, project management, development, yet his background includes not only IT areas, but also legal and administration areas which have created very good mindset on how things work and should work and what definitely will not work. Nauris holds a Bachelor's degree from University of Latvia. 

"We offer a lot of freedom and this freedom comes with responsibility. Our people are ambitious, driven to excel, to be the first ones, to be the best."

Country Management


Svetlana Gaidukova



Key focus prior to joining TWINO was on new business lines launch within existing business of Oriflame, agency working with Olympic sponsors for Sochi 2014, Hubert Burda Media Russia. A major part of those projects was marketing strategy and activation programs development and execution aimed at increasing sales / generating additional money flows for the company.

Svetlana graduated from the Stockholm School of Economics in Riga with the B.Sc. degree in Economics and Business Administration and worked in Moscow prior to joining TWINO team in Poland.

"Inspiration comes from taking all chances life gives you. Be brave, you only live once."


Sanita Zitmane



Yerkanat Kazhgaliyev



Yerkanat’s professional experience is focused in sales and consumer & marketing roles focusing on business in Central Asian countries in companies like JTI, TeliaSonera, Bosch. Prior to joining TWINO as Country Manager for Kazakhstan, Yerkanat acted as country manager for German Fintech company Kreditech.  

Yerkanat is a graduate of Kazakhstan Institute of Management, Economics and Strategic research with BSc in Business Administration and Management. 

“If you have a strong team, hunger for knowledge, self-motivation and inspiration – you can move a mountain.” 


Bachana Rapava



Bachana has graduated Georgian Technical University. He holds a Master degree in Banking.

Prior to joining TWINO Bachana has professional experience in project management. 8-year experience in Georgian Banking sector focused on consumer & mortgage lending and debt collection fields.
Before taking a role of Country Manager, Bachana was head of debt collection and customer care departments in TWINO Georgia since 2014.

"Success usually comes to those who are too busy to be looking for it."


Michal Paplinski



Michal graduated from Warsaw University, Faculty of Economic Sciences, specialization in Finance and Accounting.

His main focus and professional experience was financial sector. Holding Manager position in EY in Financial Audit Department, he was responsible for audit of financial institutions including banks, insurance and funds.

Prior to taking a role of Country Manager, Michal was Chief Financial Officer in TWINO Poland.

“ You are never at work when you love what you do for living.”

and 400 more

Employees around 6 offices

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