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Raif Barbaros
CTO at BFS Capital


Raif Barbaros is a serial founder and CTO of venture-backed startups in the Bay Area and Toronto, with two successful acquisitions and three platforms that he personally scaled to reach millions of users. Most recently, he founded an AI start-up that used machine learning to predict customer churn in SaaS companies.

Raif is currently CTO, BFS Capital. Our mission at BFS is to leverage advanced technology and data science to unlock exciting new financial products and services for underserved small businesses. Today, we provide working capital to customers in the US and Canada. We have issued over $2BB in loans to over 23,000 companies across 400+ industries.

Prior to joining BFS he led the product, design, engineering and customer success teams at Influitive, a late-stage B2B SaaS company whose customers include 8 of the 10 largest software companies in the world. Before Influitive, he was the founding VP Technology at Loblaw Digital – the team responsible for digital and e-commerce at Canada’s largest retailer. He built a team of 150 from the ground up to launch four distinct eCommerce platforms: Online grocery, apparel, cosmetics and Rx prescriptions.

Barbaros earned two bachelor degrees in Computer Science and Mathematics from Queen’s University and an MBA from Haas School of Business at University of California, Berkeley.