More than 400 people across 6 locations with more than 15 nationalities. We are young, we are diverse and we love our work.
Founder & Owner
As company owner and founder Armands drives Group long-term strategy as well as works on new business direction development.
Armands gains new entrepreneurship expertise every time TWINO enters a new market or launches a new product or business direction, 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."
As TWINO Group Chief Executive Officer Anastasija drives overall success of the business and increasing shareholder value through execution of the strategy. Before her role as CEO of TWINO Group, Anastasija was Group CFO for three years as well as Group COO for a year.
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 we can 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."
P2P Investment 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."
IT development in TWINO Group is led 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 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."
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 to lead Group external and internal communications as well drive Group people agenda in forward-looking manner. All while setting TWINO as an example as outstanding and innovative employer and brand.
"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."
As Group Marketing Lead Roberts drives the development and implementation of innovative digital marketing, UX and CRM strategies across the whole TWINO Group.
Prior TWINO Roberts has gained knowledge both as an in-house expert and manager in international fintech company as well as an agency side asset. Has 10 years of experience in marketing, eCommerce and journalism including overseeing marketing activities in 9 countries and managing market launch strategies in 5.
Roberts holds a master’s degree in Strategic and Public Relations Management and bachelor’s in Communications and Media from Riga Stradins University.
“I admire and find inspiration in people who challenge limits. I’m not a fan of staying in the comfort zone and I push our team to prove to the world that any existing and widely accepted limits can be challenged and pushed further.”
Data Science and Risk Management Lead
One of the core teams and main competencies lay in Data Science and Risk team, which is led by Miks as Group Data Science and Risk Management Lead. Miks leads a team of top industry experts in machine learning, business intelligence and risk analysis and ensures that TWINO processes in these fields are ahead of industry and follow the latest innovations in technology.
Prior joining TWINO Miks gained strong experience in analytics, data processing and has continued the started in TWINO. In TWINO Miks has worked on developing data science area from scratch to the level it is now, been part of developing our lending policy and has lead data teams.
Miks holds a professional bachelor’s degree in Mathematics and Statistics from University of Latvia.
As TWINO Group Legal Lead Eleonora leads Group legal processes to ensure regulation is met in all Group countries, as well as works on TWINO Investment platform legal projects, including AML processes and other.
Eleonora primarily specializes in Banking & Finance law, she is a well-known and respected name amongst insurance law experts in Latvia. She has a great deal of experience in different areas of finance, including banking, consumer finance, investment market, capital market and project finance.
Eleonora holds a Master's Degree from University of Latvia, Faculty of Law.
Lending Operations and Risk Management Lead
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."
Country Manager of Poland
In the role of Country Manager for Poland, Erika drives TWINO Group business in Poland, where we are one of the biggest market players in the alternative lending industry.
Erika has a strong background in Customer Service and Customer Marketing as she has spent over ten years mastering these fields. Erika also has deep financial industry knowledge as prior joining TWINO she spent over five years in one of industries biggest companies being responsible for Group's Customer Marketing.
Erika holds a Master's Degree in Economics from University of Ljubljana.
Country Manager of Latvia
As Country Manager for Latvia, Sanita drives out lending operations in TWINO Group's first market. She manages our operations for both SME lending products as well as consumer lending products.
Sanita has strong experience in both banking and insurance. Prior TWINO she was driving the development of consumer lending products in one of the biggest banks in Latvia for 3 years. Sanita also has over 10 years of experience in Insurance where she also was product owner.
At TWINO we strive for people with diverse backgrounds and are proud to have Sanita among our team with her bachelor’s degree in Classical Philology from University of Latvia.
“Don’t be intimidated by what you don’t know, this is your chance to find new solutions and do things differently.”
Regional Manager of Asia
As Regional Manager for Asia, Ketevan is responsible for TWINO Group operations in Asia, including overseeing our business in Kazakhstan, researching new business opportunities in Asia markets as well as Ketevan leads TWINO Group IT competencies center in Georgia.
Ketevan has been in TWINO Group for over three years leading Marketing in Georgia and Business Development in Group. Prior TWINO she has extensive experience in marketing, Ketevan has been Marketing director in international companies such as Subway and KFC, she has also held Associate Professor of Marketing position in Caucasus University.
Ketevan holds a PhD in Marketing from University of Wales Trinity Saint David.
Country Manager of Russia
As Country Manager for TWINO Russia Ashot leads operations and oversees our business in the biggest TWINO lending market.
Ashot has strong financial industry knowledge and understanding as he has spent eight years in various different financial institutions in Risks and Collections prior joining TWINO. One of his specialties is debt collection processes, as he spent over four years overseeing this field in one of the biggest industry players. Ashot is also known for his outstanding managerial and team leading skills.
Ashot holds a Master's Degree in International Economics and Business from University of Latvia.
and 400 more
Employees around 6 offices
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