Senior Management

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Metin Özdemir
Metin ÖZDEMİR
Chief Executive Officer

He graduated from İstanbul University, Faculty of Business Administration in 1990. Metin Özdemir started his professional life at Kuveyt-Türk Finans Kurumu A.Ş. in 1992 and continued his career as a manager in the retail sector since 1996.

Özdemir was on duty as a Member of İstanbul Metropolitan Municipality Council between 2004-2014. From April 2012 to May 27, 2019, he served as the Member of the Board of Directors, Member of Remuneration Committee and associate member of Credit Committee at Ziraat Bankası. Özdemir, who has been a member of Ziraat Katılım Bankası Board of Directors since February 18th, 2015, was appointed as the Chief Executive Officer of Ziraat Katılım Bankası A.Ş. on June 12th, 2017. Özdemir, who was on duty in Board of Directors and the Remuneration Committee of our Bank, has also been serving as the Chairman of the Credit Committee since July 25th, 2017. He also serves as the President of Banks Association of Turkey and as the Chairman of the Board of Directors of ADFIMI.

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Ertuğrul İSPAHA
Ertuğrul İSPAHA
Executive Vice President of Credit Allocation and Management

Mr. İspaha was born in 1968 in Adana. He graduated from Ankara University, Faculty of Political Sciences, Department of Labour Economics and Industrial Relations in 1991. He began his banking career in 1995 as an Inspector at Egebank A.Ş. Between 2001 and 2006, he served as Branch Manager of Adana and Bursa branches at Family Finans Kurumu A.Ş.

Mr. İspaha joined the Ziraat family in 2006 as the Manager of the İzmir Corporate Branch and subsequently held various positions, including İzmir Region 1 Director, Executive Vice President of Financial Analysis and Intelligence, Credit Monitoring and Follow-up, and Regional Manager in Gaziantep, Adana 2, Adana 1, and Adana.
From April 1, 2022, he served as Executive Vice President of Corporate Banking at Ziraat Katılım Bankası A.Ş. As of August 5, 2025, Mr. İspaha continues his duties as Executive Vice President of Credit Allocation and Management.

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Osman Karakütük
Osman KARAKÜTÜK
Executive Vice President for Treasury Management and International Banking

He was born in Ankara in 1975. He graduated from Ankara University Faculty of Political Sciences in 1998. He completed his Master's Degree at Sakarya University. He served as a Civil Servant in General Directorate of Banking of the Central Bank of the Republic of Turkey between 1998-1999.

Having started his career as an Assistant Inspector at Ziraat Bank in 1999, Karakütük served as Inspector, Chief Inspector, Deputy Head of Board of Inspectors, Branch Manager, İzmir 1st Regional Manager, Head of Branch Operations Department, Head of Channel Management Department respectively. On 15.08.2017, he was appointed as Deputy General Manager for Financial Coordination and Human Resources of Ziraat Katılım Bankası A.Ş. as of 23.08.2017, he continues his duty as EVP for Treasury Management and International Banking at Ziraat Katılım Bankası A.Ş.

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Önder Kırman
Önder KIRMAN
Executive Vice President of Credit Policies and Risk Liquidation

Mr. Kırman was born in 1972 in Afyonkarahisar. He graduated from Dokuz Eylül University, Faculty of Economics and Administrative Sciences, Department of Business Administration. He began his banking career in 1999 as a Service Officer at Ziraat Bank. Between 2001 and 2008, he served as an Internal Controller.

From 2008 to 2015, he held several managerial positions, including Agricultural, SME, and Commercial Marketing Manager, Commercial Banking Department Head, and Regional Credit Allocation Manager. In May 2015, he joined our Bank as Head of the Operations Center Department. Between 2016 and 2021, he served as Head of the Corporate and Entrepreneurial Credit Allocation and Management Department 1.

Appointed as Executive Vice President of Credit Allocation and Management on June 30, 2021, Mr. Kırman has been serving as Executive Vice President of Credit Policies and Risk Liquidation since August 5, 2025.

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Seher Elif Ekici
Seher ELİF EKİCİ
Executive Vice President of Product Management and Digital Banking

Ms. Ekici was born in 1981 in Istanbul. She graduated from Marmara University, Faculty of Business Administration, Department of Business Administration (English). She obtained her Certified Public Accountant (CPA) license in 2009. To further contribute to her professional development, she completed an associate degree in Theology at Anadolu University and earned her thesis-based master’s degree in Islamic Economics and Finance from Marmara University in 2024.

Ms. Ekici began her professional career in 2003 at KPMG Audit Firm, where she worked as an auditor until 2004. She started her banking career in 2005 at Anadolu Finans Kurumu, serving in the Financial Control Department under the Financial Affairs Division. She played an active role in the merger process of Anadolu Finans and Family Finans Kurumu. From 2007 to 2015, she held various roles—Specialist, Assistant Manager, and Manager—at the Risk Management Center of Türkiye Finans Katılım Bankası.

On February 3, 2015, she joined Ziraat Bank as a Manager and took part in the establishment of Ziraat Katılım Bankası. On June 23, 2015, she was appointed Head of the Risk Management Department at Ziraat Katılım Bankası A.Ş. Between 2021 and 2025, she served as Group Head of Credit Policies and Risk Liquidation.

Appointed as Executive Vice President of Credit Policies and Risk Liquidation on April 1, 2022, Ms. Ekici has been serving as Executive Vice President of Product Management and Digital Banking since August 5, 2025.

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Mustafa Kürşat Çetin
Mustafa Kürşad Çetin
Executive Vice President for Retail Banking

He was born in Yozgat in 1979. He graduated from Selcuk University, Faculty of Economics and Administrative Sciences, Department of Economics. He completed his master's degree in Istanbul University, Faculty of Social Sciences, Banking. He started his career at Türkiye Finans Katılım Bankası, Headquarters, Leasing Service in 2003.

Since 2005, he worked in different titles in Corporate Marketing at the Osmanbey, Beylikdüzü and İkitelli Branches of the same Bank in Istanbul. Between 2012 and 2015, He served as the Manager of Türkiye Finans Nişantaşı Branch. With the establishment of Ziraat Katılım Bankası in 2015, He continued to work as İkitelli Branch Manager. He worked as Head of Entrepreneurial Marketing Department in January 2016 and then Head of Corporate and Entrepreneurial Marketing 2 Department. He served as the Head of Branch Banking and Sales Management 2 Departments between 2019 and 2021. On January 13, 2022, Mr. Çetin was appointed as Retail Banking Group President. He has been serving as Executive Vice President in charge of Retail Banking since 29.09.2023.

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Suat Tüccar
Suat TÜCCAR
Executive Vice President of Corporate Banking

Mr. Tüccar was born in 1974 in Istanbul. He graduated from Gazi University, Faculty of Economics and Administrative Sciences, Department of Public Administration. He began his banking career in 2000 after completing the Commercial Marketing MT Program at Dışbank. He served as a portfolio manager at Mercan, Bayrampaşa, and Avrupa Corporate Branches within the same bank.

Following the merger of Fortis and Türk Ekonomi Bankası (TEB), he held managerial roles at Bayrampaşa Mega Center and Güneşli branches.

He joined Ziraat Katılım Bankası A.Ş. on May 2, 2016, as a Service Manager in the Corporate and Entrepreneurial Marketing Department. On March 23, 2017, he was appointed as Head of Human Resources. Between 2021 and 2025, he served respectively as Group Head of Strategy Planning and Human Resources, and Group Head of Product Management and Digital Banking.

Appointed as Executive Vice President of Digital Banking on April 9, 2025, Mr. Tüccar has been serving as Executive Vice President of Corporate Banking since August 5, 2025.

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Özgür Arık
Özgür ARIK
Head of Strategy Planning and Human Resources Group

He was born in 1980 in Ankara, he graduated from the Department of Labor Economics and Industrial Relations at the Faculty of Political Science, Ankara University, in 2002. He completed his Master's degree at the Department of Labor Economics and Industrial Relations at the Institute of Social Sciences, Gazi University.

In 2005, he started his career at Ziraat Bank as an Assistant Inspector. He later held positions as an Inspector, Procurement Relations and Contract Management Manager, Central Services and Real Estate Management Manager, Branch Manager at the Mithatpaşa/Ankara branch, and Head of Real Estate and Appraisal Management Department. Since August 29, 2024, he has been serving as the Head of Strategy, Planning, and Human Resources Group at Ziraat Katılım Bankası A.Ş.

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Osman Çetiner
Osman Çetiner
Head of Internal Systems Group

He was born in 1973 in Antalya. He graduated from Uludag University, Faculty of Economics, Department of Finance. He received the SMMM certificate in 2005. In 2014, he gained the authority of Independent Auditor given by the Public Oversight Authority.

He started his banking career at Kuveyt Türk A.Ş. in 1999 as an Assistant Accounting Specialist in the Financial Affairs Service. He held various positions at Kuveyt Türk Bank for 16 years, 7 of which were Manager. He took part in Turkey's first lease certificate issuance, which was issued by Kuveyt Türk Bank in 2010. He took part in the establishment phase of Ziraat Katılım Bank. He started to work as Head of Financial Coordination Department at Ziraat Katılım Bankası A.Ş. on 08.04.2015. He served as the Head of Internal Control and Compliance Department between 2017-2022. As of 09.05.2022 Ziraat Katılım Bankası A.Ş. He was appointed as the Head of Internal Systems Group and still continues his duty.

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Mehmet Salih İŞSEVER
Mehmet Salih İşsever
Head Of Information Technologies And Operational Transactions Group

He was born in Bitlis in 1973, he graduated from the Department of International Relations at Istanbul University’s Faculty of Political Science in 1995. He is currently in the thesis stage of his Master's program in International Finance and Participation Banking at Istanbul Sabahattin Zaim University.

He began his banking career in 1998 after completing the Corporate Marketing Management Trainee program at Egebank, and worked at the Merter branch. Between 2000 and 2002, he worked in the corporate marketing department at Alternatif Bank's Şişli branch. In 2002, he joined Oyakbank - ING Bank at the Çağlayan branch as Marketing Manager. From 2008 to 2013, he served as Branch Manager at Kurtköy and Levent Plaza branches. He then managed the Gebze Entrepreneurial Branch at Ziraat Bank from 2013 to 2015. In 2015, he transitioned to Ziraat Katılım Bank, where he held the positions of Branch Manager at the Altunizade and Eminönü branches. Between 2021 and 2024, he served as the Head of the Compliance Department and Head of the Human Resources Department. As of August 29, 2024, he was appointed as the Head of IT and Operational Transactions Group, a position he continues to hold.