About Us

International online lending and investment management company Alfa Finance Group was founded in 2015. It is a family run company founded by brothers Jānis and Viesturs Kulikovskis in order to ensure access to financial services in South-East Asia. Alfa Finance has a strong vision of creating original and modern financial services so that anyone can become his or her own personal investor and financial director in an easy and smart way.

The key value of the business is people. Alfa Finance invests in creating the most user-friendly and accessible services possible.

The business essence is loans for private individuals, consumer, farming, real-estate and medicare related, and lending and investment platform services for private individuals. In less than three years, we have successfully expanded to Poland, Georgia and Indonesia, with a total of more than 1,769,000 registered borrowers and over nearly EUR 100 million in loans issued in funding. During the next few years Alfa Finance Group is planning to put focus further expansion in Indonesia, the country with the biggest underbanked population in South East Asia.

The future development is related to further developing funding mechanisms of medical services that may not be available for big part of population due to high lumpsum payments.

A subsidiary of the Alfa Finance Group, DoFinance is a web platform providing lending and investment operations which, thanks to innovative financial technologies, offer easy and smart way of investing available financial resources and earning money in a manner that offers an alternative to traditional opportunities such as conservative bank deposits or highly volatile stock markets.

Our Team

The Alfa Finance Group currently has over 50 highly professional employees and each of us values transparency and empathy toward all stakeholders. Our management team combine a diverse set of experiences and backgrounds, brought together by our culture of constant development and pursuit of quality.


Jānis Kuļikovskis

Idea Generator
Keeping his finger on the pulse of the industry worldwide

Jānis is one of the company’s founders and investors and its idea generator with a global vision and his finger on the pulse of the latest trends in business and finance. Jānis has successfully worked and achieved notable successes all over the world in trade, manufacturing and the logistics industry all over the world, which has given him a thorough understanding of diverse businesses and cultures. Jānis has also developed an E-commerce start-up. Today, he is a shareholder and council member at one of Latvia’s most successful print media companies.

Jānis’ greatest contribution to DoFinance is his open-mindedness and desire to be different, to create original ideas and to organise a business model that is appropriate for the Western world, but which is also characterised by the tolerance that is a feature of business in Asia.



Viesturs Kuļikovskis

Co-Founder of DoFinance
Business and risk management integration

Viesturs is a one of company’s founders and investors. He has vast experience in the financial sector as a board member of the largest commercial bank in Latvia. Viesturs has been successful in developing several residential and commercial real estate projects in the Baltics and ecuring the backing of prominent international investors, including the Lehman Brothers Real Estate Fund, AFI Europe and others.

Viesturs’ ability to combine his knowledge of risk assessment and business development has been one of the keys to his success and allows DoFinance to provide secure and effective services to its clients.



Ingars Zagorskis

Solution Finder
Getting things done. He’s more of a doer than a talker

Ingars is a founder and acting Chief Executive Officer of DoFinance, helping it to become a top player in its field in Europe and Asia. Ingars used to work as marketing director for one of Europe’s leading payday loan companies, where he developed the marketing aspects of the firm from scratch. He has also been marketing director for an international bank that operates in the field of consumer lending.

Ingars is an active cyclist, and completing the Ironman Triathlon is on his bucket list. The excitement he gets from sport also helps to keep Ingars continually on the move and in a state of perpetual development in his work.



Niklāvs Macko

Chief Operating Officer

With 15 years of experience in finance, Niklavs has developed strong management skills and proved to be excellent in developing new products and business opportunities. Previously worked in one of the leading and fastest growing European fintech companies Twino as a CFO and later as a COO. In these roles Niklavs took part in building the company from a start-up level to an international corporation with 60 million EUR turnover in 5 years time. Currently responsible for finance and operations in Alfa Finance group and is best known between colleagues as the one who can convert complex ideas into simple actions.

When not at work, Niklavs enjoys spending time with his family, doing sports together or attending music concerts.



Julija Ivanova

Investor Relations Specialist

Julija delivers positive and professional investor experience for current and potential investors. She ensures timely and compliant investor onboarding process, daily communication and support by phone, email or chat.

Besides taking care of investor relations, she is engaged in marketing and social media projects.

Being customer focused and a people person at work she is also passionate about various sport activities and longer walks along the sea.

Julija has previous work experience in international company E&Y Baltics.

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