As the company's owner and founder, Armands drives Group's long-term strategy as well as works on new business direction development. Armands has extensive expertise in strategic planning, launching new markets and products, and remarkable leadership skills. Possesses a global business mindset and perception of opportunities.

Armands holds an MBA from Stockholm School of Economics in Riga and he has been a private business owner for over 10 years.

"Challenging myself to step out of my comfort zone - is my inspiration."

As CEO, Anastasija drives the overall success of the business by executing the strategy and increasing shareholder value. Her previous experience in the TWINO Group as CFO for three years and COO for one year has provided her with a thorough knowledge of Group processes and financial indicators, which in turn allows her to guide the company best.

Prior to TWINO, Anastasija worked in corporate finance and as a team lead in financial planning and analysis in a fintech. She gained valuable experience through coordinating the Group's annual budgeting and monthly forecasting processes spanning 16 countries and more than 30 products. Anastasija holds a Bachelor’s degree in finance and economics from the 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."

Roberts is responsible for leading the growth, strategic development, and innovation pipeline of the TWINO P2P investment platform.

Prior to becoming the platform lead, Roberts worked in TWINO as Investor Adviser, closely communicating with our investors and working on strategic development that has led to over €1b EUR in loans being funded.

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 the 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."

As Marketing Lead Roberts drives the development and implementation of innovative digital marketing, UX, and CRM strategies across the whole TWINO Group.

Prior to TWINO, Roberts has gained knowledge both as an in-house expert and manager in an international fintech company as well as an agency-side asset. He 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 a 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."

Karīna 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 she oversees all TWINO Group core business functions as Chief Operating Officer.

Karīna holds two MSc degrees - one in Business Administration, major European Studies, from the University of Latvia and MBA from Riga Business School.

"I am inspired by the continuous inquisitiveness I see around me."

IT development at TWINO is led by Nauris, who has laid the foundations for innovative and progressive approaches to the Group's IT systems.

Nauris has experience in various IT areas - governance, support and security management, project management, and development. Yet his background is not only in the IT industry, but also legal and administration fields. This has contributed to developing a critical and systems-based mindset of how things do, should, and won't work. Nauris holds a Bachelor’s degree from the 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 one of the Group's focuses in ensuring the wellbeing of its people, and that internal and external communication is an indivisible part of that, People (HR) and Communications functions have been merged into one person, led by Laura.

Laura previously was a board member and Communication Director in Carlsberg Group companies in Latvia and Estonia. She has 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.

Now at TWINO, Laura uses her diverse and strong experience to lead the Group's external and internal communications, as well as to drive the Group's “people agenda” forward. All while setting TWINO as an example of an 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. The question is whether you want to be a part of it."

As Legal Lead, Aiga leads TWINO Group's legal processes to ensure regulation is met in all Group countries, as well as works on TWINO Investment Platform legal projects. Aiga has strong knowledge in banking and financial law, licensing and registration processes within financial supervision regulators, ensuring legal compliance and dealing with fintech-specific legal issues. A great deal of experience was gained trough long-term working experiences in financial institutions and financial regulators.

Aiga holds a Master's degree from the University of Latvia, Faculty of Law and a Master's degree from BA School of Business and Finances in Business Management of Creative Industries.