Who founded Inicio AI?

Inicio AI was founded by Rachel Curtis.

Who are Inicio AI's investors?

Inicio AI's investors include Angel Academe, Future Planet Capital, Haatch, Midven Ltd., Mint Ventures, Morgan Stanley.

Inicio AI

11 known investors

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Inicio.ai builds conversational AI for debt collections and customer engagement in financial services, deploying automated decisioning and communication tools for banks, lenders, and debt recovery firms. The company focuses on improving outcomes for customers in vulnerable circumstances within the UK financial services sector.

AI & Machine Learning Fintech SaaS

Founders & leadership

Rachel Curtis CEOShe previously held board and operational leadership roles at a UK bank, where she oversaw marketing, customer experience, and operations from licensing through launch, and serves as a non-executive director at a building society.

Caroline Walton Chief of Staff (Fractional)She has held CEO, NED, and Chief Commercial Officer roles in regulated financial services, with expertise in governance, regulatory compliance, and operational transformation across consumer finance, fintech, and credit services.

Victoria Oliver Chief Commercial OfficerVictoria Oliver has over two decades of experience in customer success and account management across banking, retail, telecommunications, utilities, energy, and government sectors. She has led cross-functional teams including sales, operations, and compliance, with a track record of managing large client relationships and driving revenue growth through service expansion.

Lindsey TittensorChief Data Officer

Paul Field Chief Technology OfficerHe has background in software development across generative AI models, machine learning operationalization including reinforcement learning and genetic algorithms, cloud-native infrastructure, and technology R&D spanning VR, blockchain, and AI systems.

Henry AllenCFO (Fractional)

Andy Smy Chief Product OfficerHe brings over twenty-five years of experience in application analysis, design, and engineering in financial services, including product management roles across mobile and online banking platforms for international clients.

Board

James McGlynnChairman

Investors · 11

Also in the syndicate · 5

Haatch VenturesRigbyRigby Group PLCWest Midlands Co-Investment FundWest Midlands Co-Investment Fund (WMCO)

Funding

SEC filings, press & company announcements

Undisclosed amountseed funding roundApr 2025
Haatch Ventures, Midven, Rigby Group PLC, West Midlands Co-Investment Fund (WMCO)
Source ↗

Source: company announcements and press reports — follow each round's link for the claim.

Companies House · registry record

View on Companies House ↗

Registered name: INICIO AI LTD
Company number: 12549674
Status: Active
Company type: Private limited company
Incorporated: 7 Apr 2020
Registered office: Number Three Siskin Drive, Middlemarch Business Park, Coventry, CV3 4FJ
Nature of business (SIC): 62090 — Other information technology service activities
Accounts: last made up to 31 Mar 2025 · next due 31 Dec 2026
Confirmation statement: last made up to 4 Apr 2026 · next due 18 Apr 2027

Current officers · 4

Paul Joseph Birks — director, appointed 18 Jan 2024
Rachel Curtis — director, appointed 14 Sept 2021
James Mcglynn — director, appointed 30 Nov 2022
Derek George Usher — director, appointed 20 Jul 2023

Source: Companies House public register · retrieved 23 Aug 2026. Contains public sector information licensed under the Open Government Licence v3.0.

Frequently asked questions

What does Inicio AI do?: Inicio.ai builds conversational AI for debt collections and customer engagement in financial services, deploying automated decisioning and communication tools for banks, lenders, and debt recovery firms. The company focuses on improving outcomes for customers in vulnerable circumstances within the UK financial services sector.
Who founded Inicio AI?: Inicio AI was founded by Rachel Curtis.
Who are Inicio AI's investors?: Inicio AI's investors include Angel Academe, Future Planet Capital, Haatch, Midven Ltd., Mint Ventures, Morgan Stanley.