Baraa Koshak is the Founder and CEO of Abwab.ai, a Riyadh-based award-winning AI company automating SME credit underwriting for banks, fintechs, and financial institutions across Saudi Arabia and beyond.

Baraa holds a Bachelor of Engineering from Boston University and completed the Oxford Fintech Program, before co-founding Hala, Saudi Arabia's first licensed fintech, where he served as Chief Product Officer and scaled it to over 500,000 individual customers and 80,000 business accounts.

A serial entrepreneur and 3rd-time founder, Baraa was recruited by Revolut as a Founding Team Member and Product Strategy and Operations Manager, helping expand the platform across 12 countries.

Prior to Abwab.ai, Baraa held strategic roles at Mozn, Resal, and Entrepreneur First, building deep expertise in product development, market expansion, and AI-driven financial services.

Abwab.ai has partnered with over 11 Saudi financial institutions and processed over SAR 1 billion in SME loans in 2025, with ambitions to capture 10% of the market by processing SAR 100 billion by 2026.