Executive Management

Ertuğrul İSPAHA
Executive Vice President
Corporate Banking

Born in Adana in 1968. He graduated from Ankara University Faculty of Political Sciences Department of Labor Economics and Industrial Relations in 1991. He started his career at Egebank in 1995 as an Inspector. Between 2001 and 2006 he served as the Branch Manager of Adana and Bursa branches of Family Finans Kurumu A.Ş. He joined Ziraat family as Corporate Branch Manager in İzmir in 2006. Mr. İspaha served as Regional Director of İzmir 1st Region, Executive Vice President responsible for Financial Analysis-Intelligence, Credit Monitoring and Follow-up, Gaziantep, Adana 2, Adana 1, and Adana Regional Manager, respectively. Since April 1, 2022, he has been serving as the Executive Vice President of Corporate Banking at Ziraat Katılım Bankası A.Ş.

Osman KARAKÜTÜK
Executive Vice President
Treasury Management and International Banking

Born in Ankara in 1975. He graduated from Ankara University Faculty of Political Sciences in 1998. He completed his undergraduate studies at Sakarya University and worked at the CBRT Headquarters as a clerk between 1998-1999. In 1999, he started working at Ziraat Bank as an Assistant Inspector and was then promoted to Inspector, Chief Inspector, Vice President of the Audit Board, Branch Manager, İzmir 1st Region Manager, Head of Branch Operations, and Head of Channel Management, respectively. Mr. Karakütük was appointed as Ziraat Katılım Bankası A.Ş. Vice President in charge of Financial Coordination and Human Resources on August 15, 2017 and he has been serving as the Executive Vice President in charge of Treasury Management and International Banking since August 23, 2017.

Önder KIRMAN
Executive Vice President
Credit Extension and Management

Born in Afyonkarahisar in 1972. He graduated from Dokuz Eylül University Faculty of Economics and Administrative Sciences Department of Business Administration. Mr. Kırman started his banking career as a Service Attendant at Ziraat Bank in 1999. Between 2001 and 2008, he worked as an Internal Controller. Between 2008 and 2015, Mr. Kırman acted as a Supervisor of Agricultural, SME and Commercial Marketing, Commercial Marketing Department Manager and Regional Credit Extension Manager. He joined Ziraat Katılım in May 2015 as the Chairman of the Operation Center Department. Then he was appointed as the Chairman of Corporate and Entrepreneurial Credit Extension and Management Department 1 in April 2016. Since June 30, 2021, he has been serving as Executive Vice President of Credit Extension and Management.

Seher Elif EKİCİ
Executive Vice President
Credit Policies and Risk Liquidation

Born in İstanbul in 1981. She graduated from Marmara University Faculty of Business Administration, Department of Business Administration in English. After graduating from Anadolu University Faculty of Theology, she completed her master’s degree with thesis on Islamic Economics and Finance at Marmara University in 2024. In 2009, she received her CPA certificate. She started her professional career at KPMG independent audit firm in 2003 and worked as an auditor in 2003-2004. Later, she started her banking career in 2005 at Anadolu Finans Kurumu Financial Control service under Financial Affairs Department.

She assumed a role in the merger of Anadolu Finans and Family Finans. Between 2007 and 2015 she acted as Specialist, Supervisor and Manager at Risk Management Center Department of Türkiye Finans Participation Bank. Ms. Ekici started to work at Ziraat Bank as a Manager on February 3, 2015. She was a part of the establishment of Ziraat Katılım and was appointed as Head of Risk Management Division on June 23, 2015. She was appointed as the Head of Credit Policies and Risk Liquidation Group on July 2, 2021. She has been serving as Executive Vice President for Credit Policies and Risk Liquidation since April 1, 2022.

Mustafa Kürşad ÇETİN
Executive Vice President
Retail Banking

Born in Yozgat in 1979. He graduated from Selçuk University Faculty of Economics and Administrative  Sciences, Department of Economics. He received his graduate degree in Banking from İstanbul  University Faculty of Social Sciences. He started his career in 2003 at Türkiye Finans Headquarters Leasing Service and from 2005 on, he worked in different positions in Corporate Marketing at İstanbul Osmanbey, Beylikdüzü and İkitelli branches. Between 2012 and 2015 he worked as Türkiye Finans Nişantaşı Branch Manager. In 2015, with the  inception of Ziraat Katılım he started working at İkitelli Branch as a manager. Between 2016-2019, he worked as the Head of Entrepreneurial Marketing Department, the Head of Corporate and Entrepreneurial Marketing Department, as the Head of Branch Banking and  Sales Management Department. He was appointed as the Marketing Group Director as of February 2021. He has been serving as the Head of Retail Banking Group since January 13, 2022. Mr. Çetin has been serving as Executive Vice President in charge of Retail Banking since September 29, 2023.

Suat TÜCCAR
Head of Product Management and Digital Banking Group

Born in İstanbul in 1974. He graduated from Gazi University, Faculty of Economics and Administrative Sciences, Department of Public Administration. In 2000, he started his career at Dışbank Commercial Marketing upon completing the MT program. He worked as a portfolio manager at the same bank in Mercan, Bayrampaşa and European Corporate branches, respectively. Upon the merger of Fortis and Türk Ekonomi Bankası, he served as the Branch Manager of the Bayrampaşa Mega Center and Güneşli branches. Mr. Tüccar started his career on May 2, 2016 as a Service Manager at Corporate and Entrepreneurial Marketing Department, and continued as the Head of Human Resources Department on March 23, 2017. He was appointed as Head of Strategy Planning and Human Resources Group on February 10, 2021. He has been serving as the Head of Product Management and Digital Banking Group since May 2022.

Özgür ARIK
Head of Strategic Planning and Human Resources Group

Born in Ankara in 1980. He graduated from Ankara University, Faculty of Political Science, Department of Labor Economics and Industrial Relations in 2002. He received his master’s degree from Gazi University, Institute of Social Sciences, Department of Labor Economics and Industrial Relations. In 2005, he joined Ziraat Bank as an Assistant Inspector and worked as Inspector, Supplier Relations and Contract Manager, Central Service and Real Estate Manager, Branch Manager at Mithatpaşa/Ankara Branch, and Head of Real Estate and Appraisal Management Department. Since August 29, 2024, he has been serving as Ziraat Katılım Head of Strategic Planning and Human Resources Group.

Osman ÇETİNER
Head of Internal Systems Group

Born in Antalya in 1973. He graduated from Uludağ University, Faculty of Economics, Department of Finance. In 2005, he received his SMMM license and in 2014, he received the Independent Auditor license given by the Public Oversight Board. He started his banking career in 1999 as an Assistant Accounting Specialist in the Financial Affairs Department of Kuveyt Türk A.Ş. He worked at different positions in Kuveyt Türk Bankası for 16 years, 7 of them as a Manager. In 2010, he was involved in Türkiye’s first lease certificate issuance by Kuveyt Türk Bankası. Mr. Çetiner was involved in the incorporation process of Ziraat Katılım. He started serving as Head of Financial Coordination at Ziraat Katılım on April 8, 2015 and worked as the Head of Internal Control and Compliance between 2017 and 2022. As of May 9, 2022, he was appointed as Ziraat Katılım Head of Internal Systems Group and continues to work at this position.

Mehmet Salih İŞSEVER
Head of IT and Operational Transactions Group

Born in 1973 in Bitlis. He graduated from Istanbul University, Faculty of Political Sciences, Department of International Relations in 1995. He is in the thesis stage of his master’s degree in International Finance and Participation Banking at Istanbul Sabahattin Zaim University. In 1998, he completed Egebank Corporate Marketing MT program and started his banking career at Merter Branch. Between 2000 and 2002, he worked in the corporate marketing department at the Şişli Branch of Alternatif Bank. Mr. İşsever worked as Marketing Manager at Oyakbank-Ingbank Çağlayan Branch in 2002 and served as Kurtköy and Levent Plazalar Branch Manager between 2008 and 2013. Between 2013 and 2015, he worked as Ziraat Bank Gebze Entrepreneur Branch Manager. In 2015, he transferred to Ziraat Katılım and served as Altunizade and Eminönü Branch Manager. Between 2021 and 2024, Mr. İşsever served as Head of Compliance Department and Head of Human Resources Department. Mr. İşsever was appointed as the Head of IT and Operational Transactions Group on August 29, 2024 and has been continuing his duty since then.