More than 400 people across 6 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 of the company's long-term strategy with the aim of creating shareholder value. He creates vision and ambition for the company and leads and challenges TWINO team on its way to reaching his created mission.
Armands gains new entrepreneurship expertise every time TWINO enters a new market or launches a new product, 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 Financial Officer Anastasija leads Group financial planning and analyses as well as supervises all Group Finance, Risk Management & Data Science teams. She also is responsible for oversee Country Management to ensure aligned and effective approach in all TWINO Group.
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."
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."
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."
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.”
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."
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.
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.”
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 in Georgia, Bachana was head of debt collection and customer care departments in TWINO Georgia since 2014. Now Bachana is Regional Country Manager and overlooks operation in Georgia and Kazakhstan.
"Success usually comes to those who are too busy to be looking for it."
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Employees around 6 offices
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