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 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."
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."
TWINO 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."
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."
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 Latvia Zanda is responsible for TWINO lending volumes in Latvia.
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.”
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 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.”
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Employees around 6 offices
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