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.

Anastasija is responsible for financial management including financial planning, management of financial risks, record-keeping, and financial reporting. She has extensive experience in the financial sector and financial management, including working on the acquisition of several large companies, raising capital, as well as reorganizing and selling assets. In 2017, Anastasija joined the TWINO Group where she was taking care of the Group’s financial management, managing the Group’s business operations, and now is driving the overall success of the business as the Group's CEO. Anastasija holds a bachelor’s degree in finance and economics from the Stockholm School of Economics in Riga.

Karīna is responsible for ensuring the risk control and compliance function in the company and supervision of risk management system, the development of a risk strategy, including the determination of the organization's overall risk profile, the assessment and identification of the organization's risks, and compliance with the risk strategy. She 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 the development and introduction of the first credit rating model for private and legal entities. In 2014 Karīna joined the TWINO Group and helped the company to develop an effective multi-level risk management system for all company’s brands as Risk Management and BI Lead. Later, she became the COO of the Group. Karīna holds two master's degrees – one from the faculty of Business, Management and Economics of the University of Latvia with a specialization in "European Studies" and an MBA from Riga Business School with a specialization in finance.

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.