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Senior Management

Name Position
Gökhan ERÜN Executive Director and Chief Executive Officer (CEO)

Gökhan Erün earned his undergraduate degree from Istanbul Technical University Department of Electronics and Communications Engineering and his graduate degree from Yeditepe University in Business Administration.

Erün began his career at Garanti Bank Treasury Department in 1994. Between 1999 and 2004, he served as the Senior Vice President of Commercial Marketing and Sales Department. After becoming the CEO of Garanti Pension and Life in 2004, he was appointed as Executive Vice President of Garanti Bank in September 2005. Erün served as the Deputy CEO of Garanti Bank since September 2015, in charge of Corporate Banking Coordination, Treasury, Treasury Marketing and Financial Solutions, Derivatives, Cash Management and Transaction Banking, and Financial Institutions. He also held positions in the Boards of various Garanti Bank subsidiaries.

As of January 2018, Erün has continued his career in Yapı Kredi as Executive Director in Board of Directors and Chief Executive Officer (CEO). In addition, Erün is the CEO of Koç Financial Services and holds positions in the Boards of various Yapı Kredi Group subsidiaries.

Niccolò UBERTALLI Executive Director and Deputy CEO

Niccolo Ubertalli graduated from Politecnico di Torino (Turin, Italy) with a Bachelor’s Degree in Material Engineering in 1996 and received his Master’s in Business Administration from Owen Graduate School of Management at Vanderbilt University (Tennessee, USA) in 2000. During his graduate program, he worked at Teksid Aluminum Foundry as Program Manager and Process Engineer. In 2000, Ubertalli moved to Milan (Italy) and worked at McKinsey as Senior Associate until 2002. Between 2002-2004, he worked at UniCredit Clarima as Director of Major Relations Divisions. Between 2004-2006, Ubertalli worked at MBNA (USA and UK) as First Vice President. Between 2006-2009, Ubertalli relocated to Bulgaria to work at UniCredit Consumer Financing as Chairman and Executive Director. In 2009, he moved back to Italy and continued his career at UniCredit as the Chief of Staff for Group CEO and between 2011-2012, as the Head of Group Consumer Finance. In 2012, he moved to Romania and assumed the position of Deputy CEO at UniCredit Tiriac Bank. During his time there between 2012-2015, he was a Member of Management Board for UniCredit Tiriac as well as Member of Supervisory Boards for Pioneer Investments, UniCredit Consumer Finance Bulgaria, UniCredit Consumer Finance Romania and Ergo Asigurari de Viata S.A. Romania. As of February 2015, Ubertalli has continued his career in Yapı Kredi as Executive Director in Board of Directors and Deputy Chief Executive Officer (CEO). In addition, Ubertalli is the Deputy CEO of Koç Financial Services and holds positions in the Boards of various Yapı Kredi Group subsidiaries.

Cahit ERDOĞAN Assistant General Manager - Information Technologies and Operations Management

After graduating from Istanbul Technical University Faculty of Mechanical Engineering, Cahit Erdoğan earned his MBA degree from Rochester Institute of Technology. Erdoğan started his professional career at Xerox Corporation (Rochester, NY) as a Business Analyst. In 2000, Erdoğan joined Accenture Turkey office as a Management Consultant and was later promoted to Manager and Senior Manager. In February 2008, he was appointed as Turkey Country Lead for the Management Consulting Growth Platform of Accenture. Erdoğan joined Yapı Kredi in 2009 as Chief Information Officer (CIO). As of July 2013 he assumed the position of Assistant General Manager in charge of Information Technologies and Operations at the Bank. Mr. Erdoğan is a member of the Executive Committee of Yapı Kredi since July 2013 and also the chairman of the Board of Directors of Yapı Kredi Teknoloji A.Ş. since May 2015.

Cemal Aybars SANAL Assistant General Manager - Legal Affairs

After graduating from Istanbul University Faculty of Law, Cemal Aybars Sanal began his career in 1986 at Sanal&Sanal Law Firm as Partner. Between 1992 and 1995, he worked at Shell Company of Turkey Limited as an Attorney, between 1995 and 1998 at White&Case Law Firm as an Attorney, between 1998 and 1999 at Shell Company of Turkey Limited as Chief Legal Counsel and a Member of the Board of Directors, between 1999 and 2006 at Boyner Holding as Chief Legal Counsel and Vice President. After working as a freelance attorney between 2006 and 2007, Sanal worked at ELIG Law Firm as Senior Consultant from 2007 to 2008. Sanal has been Assistant General Manager in charge of Legal Affairs at Yapı Kredi since July 2008.

Demir KARAASLAN Assistant General Manager - Retail Credits

Mr Karaaslan graduated from Marmara University, Business Administration department in 1999. Between September 1999 and December 2004, he worked at PricewaterhouseCoopers (PwC) where he joined as an Assistant Auditor and promoted to Audit Manager. He continued his career at Koçbank between 2005 and 2006 as Head of Budget & Planning. In 2006, following the merger of Koçbank and Yapi Kredi Bank, he was appointed as Vice President responsible from Planning & Control. He has been the Head of Planning & Control since 2010 and promoted as Executive Vice President in 2011. Starting from January 2016, he was appointed as Assistant General Manager responsible from Retail Credits. Throughout his career, Mr Karaaslan also assumed the positions of Statutory Auditor and member of Board in several subsidiaries of Yapi Kredi Bank.

Erhan ADALI Assistant General Manager - Corporate and Commercial Banking

After graduating from the Faculty of Political Sciences, Public Administration at Istanbul University in 1987, Erhan Adalı began his professional career at Garanti Bankasi as an Internal Auditor. After serving in various positions, Adalı worked as the Corporate Branch Manager, Commercial Banking Regional Manager and Coordinator in SME Banking Marketing between 1997 and 2005. Adalı worked as the CEO of Garanti Pension and Life Company from 2005 to 2012 and continued to serve as Executive Vice President of Credits at Garanti Bank until 2015. He served as a member of Board of Garanti Leasing and Garanti Mortgage in 2015-2017. Adalı has been Assistant General Manager in charge of Corporate and Commercial Banking and a Member of the Executive Committee since March 2018. Adalı is also a Member of the Board of Directors of Yapı Kredi Factoring, Yapı Kredi Leasing, Yapı Kredi Bank Azerbaijan and Yapı Kredi Bank Malta.

Giovanni AVANZI Assistant General Manager - Internal Audit

After graduating in Economics, Giovanni Avanzi began his career at Arthur Andersen in 1995, where he acted as an external auditor and then as a consultant for the main Italian banks. In 2003, he joined the Internal Audit Department of UniCredit, responsible for auditing the UniCredit SpA and its subsidiaries with focus on the Market, Liquidity and Conduct risks. In 2006 Avanzi started up the Audit monitoring and reporting function, till 2009 when he became Head of Group Audit Methodologies responsible for re-eingeenering the audit processes and tools. In January 2014, he was appointed as Executive Director and Head of the Internal Audit at Bank Pekao in Poland. In 2017, he took on the responsibility of Assistant General Manager for Internal Audit at Yapı Kredi. Avanzi owns the CIA, CRMA and QA certificates.

Massimo FRANCESE Assistant General Manager - Financial Planning and Administration (CFO)

Mr. Francese, 51, graduated in Economics from Università Cattolica in Milan Italy. He joined Credito Italiano in 1991 as Customer Relationship Manager then he experienced different positions in Organisation, Planning and Control functions. In 2005, he became Head of Group Planning at UniCredit. He continued his career at UniCredit Family Financing Bank between 2007 and 2010 as Chief Financial Officer. In November 2010, he moved to UniCredit S.p.a. as Head of Value Management & Planning for Consumer Finance business until 2012. In 2012, Mr. Francese assumed the position of CEO and Chairman of the Management Board in UniCredit Consumer Financing EAD in Sofia (Bulgaria) where he worked until the February 2016.

He has been appointed as Chief Financial Officer and Member of the Executive Committee at Yapı Kredi Bank A.Ş. as of March 1st, 2016.

Mehmet Erkan ÖZDEMİR Assistant General Manager - Compliance and Internal Control

After graduating from Middle East Technical University, Department of Economics in 1989, Mehmet Erkan Özdemir worked as a Sworn-in Bank Auditor on the Sworn-in Bank Audit Board of the Banking Regulation and Supervision Agency between April 1994 and August 2001. He joined Koç Holding in August 2002 as Audit Coordinator in the Koçbank Audit Group, responsible for the financial companies of the Group. He started serving as Statutory Auditor at Koçbank in August 2002 and later at Yapı Kredi in September 2005. Özdemir was assigned as Compliance Officer and Assistant General Manager in charge of the Compliance Office in April 2008. Özdemir has been serving as Assistant General Manager in charge of Compliance and Internal Control since October 2013.

Hakan ALP Assistant General Manager - Human Resources and Organization
Mert YAZICIOĞLU Assistant General Manager - Retail Banking Sales

Mert Yazıcıoğlu graduating from German High School after that he graduated from Istanbul Technical University Department of Business Engineering in 1989 and graduated from Istanbul Technical University Business Administration Faculty in 1994. He started his business life in 1989 at Koçbank in the Customer Relations Department in Istanbul Central Branch. In 1990, Yazicioglu served as Junior Dealer, Dealer, Senior Dealer, Department Manager, Treasury Department in 1996 and Group Manager in TL / FX management in Fund Management in 1996 and became Deputy General Manager in charge of Treasury Management in 1999. Mr. Yazicioglu has been Assistant General Manager responsible for Treasury Management at Yapı Kredi between February 2006 and May 2011 and has been Assistant General Manager responsible for Private Banking and Asset Management as of May 2011. After completing his job successfully for 6 years Mert Yazıcıoğlu was assigned as Retail Banking Sales Assistant General Manager as of January 1, 2018. Yazıcıoğlu has been a member of the Executive Committee since February 2011.

Nurgün EYÜBOĞLU Assistant General Manager - Corporate and Commercial Credits

After graduating in 1991 from Boğaziçi University Faculty of Administrative Sciences with a Degree in Economics, Nurgün Eyüboğlu began her career in İktisat Bankası as Management Trainee in the same year. She joined Koçbank in 1993 and worked as Branch Manager until 2004. With the merger of Yapı Kredi and Koçbank in 2006, Eyüboğlu held the position of Head of Corporate and Multinational Companies in Yapı Kredi until 2009. In February 2009, she was appointed as General Manager of Yapı Kredi Leasing. Eyüboğlu has been Assistant General Manager in charge of Corporate and Commercial Credits since February 2013. Eyüboğlu is also a member of the Board of Directors of Yapı Kredi Faktoring and Yapı Kredi Leasing.

Albert ANGERSBACH Assistant General Manager - Risk Management (CRO)
Saruhan YÜCEL Assistant General Manager – Treasury Management

Saruhan Yücel earned his undergraduate degree from Istanbul University Department of Business Administration and his graduate degree from University of Illinois in Business Administration. Yücel started his career at Koçbank in fund Management Department in 2000. Following his role as Securities Portfolio Manager, between 2002 and 2003, in Yapı Kredi Portfolio in Investment Funds Management Fixed Income department, between 2003 and 2018, he worked as FX and Money Markets Senior Dealer, FX Markets Vice President, Fixed Income Securities Vice President and Balance Sheet Management and Fixed Income Securities Executive Vice President in Yapı Kredi Bank. Following June 2018, he continued his career as Treasury Management Assistant General Manager. He is also Member of the Executive Committee at Yapı Kredi Bank.

Serkan ÜLGEN Assistant General Manager - Retail Banking

Serkan Ulgen graduated from Bilkent University, Ankara B.S. Industrial Engineering Program in 1998. After his graduation, he began his career at BENKAR Consumer Financing and Credit Card Services. In 2001, Ulgen joined Yapı Kredi and took several responsibilities in Card Payment Systems. He also took his MBA degree from Bogaziçi University in 2005.

Mr Ulgen has been Assistant General Manager in charge of Retail Banking and a member of Executive Committee of Yapı Kredi since January 2018.

He has been the Member of the Board of Interbank Card Center (BKM) representing Yapı Kredi since 2010 and the Chairman of the Board of BKM since 2016.

Yakup DOĞAN Assistant General Manager - Alternative Delivery Channels

After graduating from the Faculty of Business Administration at Çukurova University, Yakup Doğan started his career at İşbank as an Assistant Specialist in 1992. Between 1996 and 2001, he worked at Ottoman Bank in Senior Management positions responsible for the development of Retail Banking, Credit Cards and Alternative Delivery Channels. In 2001, Doğan joined Koçbank as Alternative Delivery Channels Manager. With the merger of Yapı Kredi and Koçbank in 2006, Doğan held the position of Alternative Delivery Channels Executive Vice President in Yapı Kredi. Doğan has been Assistant General Manager in charge of Alternative Delivery Channels at Yapı Kredi since May 2009.

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