Ophelos

Using AI and behavioral science to get people debt-free and organisations paid back.

Ophelos logo
21-100 employees
  • Fintech
  • B2B
  • Personal finance
  • Machine Learning
  • SaaS
London, UK

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Company mission

To take the stress out of owing money.

Our take

Debt is a major issue in the UK, with over 300 people declared insolvent every day and millions of households struggling with low savings or lacking basic appliances. Yet, debt collection practices haven't changed much in a century.

Ophelos launched in 2021 to fix that, and by 2023, it was acquired by Interum, Europe's largest credit management firm. The team brings experience from top companies like Monzo, Google, and IBM, and works closely with leading universities to drive innovation in finance and AI.

Ophelos is redesigning how debt is handled, using a digital-first, AI-driven approach that helps people pay off debt affordably while giving businesses smarter insights. And clients like Octopus Energy and Scottish Power are already using their platform to improve the customer experience.

Backed by top investors and now part of Interum, Ophelos has expanded into 17 European markets, scaling its missions to make debt recovery fairer and more human.

Freddie headshot

Freddie

Company Specialist at Welcome to the Jungle

Benefits

  • Private healthcare
  • Learning & Development allowance
  • Work from home allowance
  • Cycle to work scheme
  • 25 Days holiday + Flexible public holidays
  • 20 days working abroad allowance
  • Referral bonus

Company values

  • We practice what we preach: Actions speak louder than words, which is why we'll always do our utmost to find a solution that works for you
  • We're always an open book: Transparency is more than a buzzword. We’re honest about our processes, at every stage of your journey
  • We're individuals, and so are you: There’s no one-size-fits-all. That’s why we personalise our approach, no matter what you’re going through

Funding (2 rounds)

Jun 2022

$6.8m

SEED

Jun 2021

$2.3m

SEED

Total funding: $9.1m

Leadership

Amon Ghaiumy

(Co-Founder & CEO)

Experienced startup operator, previously Director at Moat (acquired by Oracle) and ASAPP.