Armands manages the work of the Supervisory Board and ensures the fulfillment of the board’s duties in accordance with the regulatory requirements of the Republic of Latvia, determines and supervises business and product strategy and development, and plans the development of new business directions. Armands is also the owner and founder of the TWINO Group. He drives the Group's long-term strategy and works on new business direction development. Armands has extensive expertise in strategic planning, launching new markets and products, and remarkable leadership skills. He possesses a global business mindset and perception of opportunities. Armands holds an MBA from the Stockholm School of Economics in Riga and he has been a private business owner for over 10 years.

Non-executive co-chairman of AS TWINO Investments. Mārtiņš provides the global strategic view on trends, risks, and priorities from a global investor standpoint and charters the way into a wider product portfolio and more global markets. Focus on value creation from an investor's vantage point. Mārtiņš helps introduce best practices from global investment and fintech unicorns. 15+ years of international experience serving investors as one of the global leaders of the McKinsey & Company Private Equity practice as well as an investment banker and private equity professional. Investor and advisor to multiple start-ups across emerging markets, including the Middle East, Turkey, and the Baltics. Mārtiņš holds an MBA with distinction from the IESE Business School in Spain, an LLM from the Riga Graduate School of Law in Law and Finance, and a B.Sc. from the Stockholm School of Economics in Riga.

Nauris has wide experience in different business areas with a specialization in IT. He has a background in various IT areas – governance, support and security management, project management and development, but also in legal and administrative, which has contributed to developing a critical and systems-based mindset on how things do, should, and won’t work. Nauris participates in the development of the company’s strategy and oversees the activities of the Management Board and monitors the implementation of business strategies in accordance with the regulatory requirements, standards, and internal policies and procedures. Nauris holds a bachelor’s degree from the University of Latvia.

Helvijs is responsible for the growth, strategic execution, and operational management of the company. He has 10 years of experience in the financial sector, consulting on business, financial and strategic matters, including a long tenure as a leading expert in some of the largest consulting companies in Latvia – Deloitte and PwC. Helvijs has in-depth knowledge and experience in strategic and financial planning, tax matters, and operational efficiency management. Helvijs holds a bachelor’s degree in finance and economics from the Stockholm School of Economics in Riga.

Māris is responsible for ensuring the company’s risk control and compliance function, supervising the internal control system, and coordinating the activities of all structural units of the organization related to risk management and compliance. He has been working in risk management for more than 15 years in the insurance and banking sectors, including risk management positions at AS Citadele banka, AAS Balta, Balcia Insurance SE, and most recently as Head of Compliance of Risk Management at TWINO. Māris holds a professional bachelor’s degree in European Business, qualification in Enterprise and Institution Management, and is currently studying for a Master of Business Administration at Riga Business School.

Linards manages the anti-money laundering (AML) and counter-terrorism financing (CFT) processes within the organization and ensures compliance with regulatory and legal requirements, and internal policies and procedures. He has extensive 12 years of experience in the AML/CTF field in the financial sector, he was responsible for AML/CTF compliance in the merging process of Nordea and DNB Banka and has worked on the implementation of various technological solutions to streamline and improve AML processes. Linards holds a master’s degree in finance and banking from BA School of Business and Finance.