More than 600 people across 9 locations with more than 15 nationalities. We are young, we are diverse and we love our work.
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."
Jevgenijs is responsible for the development of the investment platform, the faster growing marketplace lending platform in Europe.
Prior to joining TWINO, Jevgenijs served as the Chief Marketing Officer at Bondora, a cross-border marketplace lending platform for investing in European personal loans, where he led company’s efforts on the acquisition of new borrowers and lenders.
Jevgenijs graduated from the Stockholm School of Economics in Riga with the B.Sc. degree in Economics and Business Administration and worked in Tallinn, Moscow and New York throughout his career.
"The dynamics and drive of early stage ventures is something that has inspired me throughout my whole life."
Aldis joined TWINO as Group CFO and is responsible for managing Group’s finance and treasury. Prior to joining TWINO, Aldis served as the CFO and Board Member at Citadele bank. He worked there for 10 years in various finance-related positions. Before that, he worked in Ernst&Young audit department.
Currently, Aldis is studying in Executive MBA programme of the Stockholm School of Economics in Riga.
Prior to joining TWINO team, Niklāvs worked in Transaction Advisory Services in Ernst & Young for more than 5 years. In addition, he was working in Ernst & Young Stockholm office in Valuations & Business Modelling team. Niklāvs is assured that it's all about people, not about the money, as they say.
Niklāvs holds a B.Sc. in Economics and Business Administration from the Stockholm School of Economics in Riga.
"Change is my inspiration, because it always brings new experience."
Prior to joining TWINO as Group Legal Lead Inese was a head of legal and afterwards also management board member in private banking and wealth management sector. Inese has 15 years of experience in Latvian banking sector with focus on cross-border and international legal matters. Primary focus until 2008 was lending and finance. At the end of 2008 joined Parex bank management team and was lead in-house counsel during restructuring and formation of Citadele bank, left in 2011 after successful restructuring. Inese is a sworn advocate of Latvian Bar Association.
Inese has obtained a law degree from the University of Latvia and holds an MBA Finance degree from Riga Business School.
“I love being part of business in its making. Solving complex and first-time legal matters is what I enjoy the most about being a lawyer.”
Laura is responsible for creating credible and compelling TWINO reputation and image as well as ensuring a start-up mind set in internal and external communications. Laura makes sure that we communicate using sources beyond the traditional and that TWINO collaboration with start-up communities, student organizations and other partners exceeds expectations.
Prior to joining TWINO, Laura held board member and Communication director positions in Carlsberg Group companies in Latvia and Estonia.
Laura has had a seven-year-long career as a journalist, covering the economy, as well as served as the Managing Director for a food industry lobbying organization. Laura holds a master’s degree in economics.
“Constant change and striving for better results are what motivate me throughout my professional life.”
Eduards has over 20 years of experience in leading IT development projects and teams in Banking and Telecoms industries. Thus, he led the IT development projects at the largest telecom in Latvia, Lattelecom, as well as led numerous projects at Swedbank and Citadele (previously Parex), the two largest consumer banks in Latvia.
Eduards joined TWINO team in 2016 to lead the growth of the IT team and streamline development, launch and support of company’s online lending products.
Eduards holds B.Sc. degree in Business Administration from the University of Latvia.
"Fast development and reliable solutions in dynamic and agile environment! This makes me feel good!"
People & Culture
As People and Culture group lead at TWINO Andzelika is responsible for defining, shaping, driving and executing the people agenda and strategy. She makes sure that TWINO culture supports effective employee engagement and ensures full performance development.
Prior TWINO Andzelika has gained outstanding experience as Head of Human Resources at Swedbank for almost 15 years and has worked in the HR field for 20 years.
Andželika holds an MBA degree from Stockholm School of Economics in Riga.
“I believe that to win in the marketplace we must first win in the workplace. Our aim is to build great place for great people to do great work.”
Risks & Business Intelligence
Prior to joining TWINO, Karīna was 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 management team in 2014 and helped the company develop a self-learning scoring system for all company’s brands.
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."
Daniels is responsible for TWINO Groups sales and marketing activities, brands and their performance. He leads a team of aspiring young professionals to develop and implement marketing strategies for all TWINO brands over the globe.
Prior TWINO Daniels worked as Head of Digital Marketing at Lattelecom, for over two years, however, his extensive experience from working at various start-ups is what inspired Daniels to join TWINO and bring TWINO brands to the next level.
Marika joined TWINO at the beginning of 2017 and is responsible for Customer Relationship Management in all TWINO Group countries.
Last seven years before TWINO Marika spent in media industry, initially being responsible for CRM. For two years Marika was a Country Commercial Manager for Viasat Latvia and then she was the Head of Pay TV Baltics at MTG.
Marika holds a B.Sc. degree in Journalism and PR from Riga Stradins University.
Commercial Lead of TWINO Group Raivo is responsible for reaching goals in all countries.
Before joining TWINO Raivo worked in MTG for almost 10 years, he was a CEO of PayTV Baltics there during the past years of his work there. Just before TWINO Raivo was CCO at Tele2 Latvia.
Raivo holds a B.Sc. degree in Trade and Marketing from University of Latvia.
“I get inspired by achieved goal. I love to work, to strive, to fight for that goal, as there is no better feeling as satisfaction when the goal has been reached!
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."
Apart from being the country manager for Russia, Līga also was one of the key team members who helped to develop and launch new markets for TWINO.
She has been exploring financial business for over decade. Her experience and expertise in finance was acquired mainly while working in banks. Prior to joining TWINO she held several roles in sales. Līga was regional sales manager for over 2 years in GE Money, which is the finance part of the global corporation General Electrics. She also has gained experience as a leasing expert in one of the largest financial groups in Northern Europe – Nordea Bank AB.
She holds a M.Sc. degree in Finance and Banking from BA School of Business and Finance.
"I always focus on setting and achieving goals through my everlasting passion for this business. Moving forward together as a team inspires me because on our own we are not as smart as all of us together."
International sales and loyalty program management are Igor’s key experiences. During the last ten years, he has worked in sales and management in five different countries. For over four years, Igors served in an international position in the leading direct marketing company in Europe, Studio Moderna.
Igors holds a professional Master’s degree in Business and EU law.
"I am inspired by having consistent development and innovation."
Eduards’ previous work experience includes more than 10 years of working in international companies such as Mars, Nestle, Logitech and LEGO in the Baltic market where he assumed key sales and management roles. Prior to joining Twino Eduards was part of a finance holding management in Latin America.
Eduards holds a Master degree in Finance, and a B.Sc. degree in Business management and administration.
“My strong belief is that everything is possible – if opportunity doesn’t knock, build a door”.
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.”
As a Country Manager for Czech Republic, Pavel is responsible for TWINO subsidiary in Czech Republic since 2016.
Pavel has over 15 years of banking experience in CEE including Head of Retail banking in Swedbank Ukraine and Chief Marketing Officer in MTBank in Belarus. He holds MBA degree from OUBS in Milton Keynes, UK.
„My life is a change, where I am looking for many challenges while enjoying my job and negotiating better deals by win-win solution.”
As a Country Manager for Latvia Zanda is responsible for TWINO lending volumes in Latvia. Zanda also is responsible for TWINO long term product development on the Group level.
Zanda has 14 years’ experience in Latvian banking sector with focus on lending and product development. Just before TWINO Zanda was responsible for Retail product development at Citadele bank.
Zanda holds an Master degree in Business management and administration from BA School on Business and Finance.
“If you feel like there`s something out there that you`re supposed to be doing, if you have a passion for it, then stop wishing and just do it.”
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