Tchoumitcheva was born in Magnitogorsk, Russia. When she was 6 years old her family emigrated to Lugano, Switzerland. Tchoumi grew up in Lugano with Swiss-Italian culture and speaking Italian as Xenia Tchoumitcheva mother tongue, before moving to London, UK.
Xenia Tchoumitcheva graduated in 2010 from the Università Della Svizzera Italiana with a Bachelor Degree in economics. She speaks six languages: Italian, Russian, German, French, English and Spanish.
Tchoumitcheva has interned at several financial institutions such as Merrill Lynch, The London Hedge Fund Duet Group and JP Morgan Chase. In 2011, at the end of her internship at JPMorgan Chase, the executives offered her a full-time job but Xenia Tchoumitcheva turned them down to build her own business.