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Senior Management

Name Position
H. Faik AÇIKALIN Chief Executive Officer (CEO)

After earning a BS degree in Business Administration from Middle East Technical University, Faik Açıkalın began his banking career in 1987 as a Management Trainee at Interbank. He subsequently worked in various positions including Internal Auditor, Relationship Manager, Branch Manager and Marketing Manager at Interbank, Marmarabank, Kentbank, Finansbank and Demirbank. In May 1998, he joined Dışbank (which was later renamed Fortis following its acquisition by the eponymous international finance group) as Executive Vice President. Later that year, he was appointed Chief Operating Officer (COO) responsible for the coordination and communication between the Board of Directors and business units. He also assumed the position as a Member of the Credit Committee. In June 1999, Açıkalın was appointed as Deputy CEO and member of the Board of Directors. In December 2000, he became CEO of Dışbank. Following the acquisition of the majority shares of Dışbank by Fortis in July 2005, he continued to serve as CEO of the bank when it was renamed Fortisbank and was appointed member of the Fortis Global Management Committee and Fortis Global Retail Management Team. In October 2007, he resigned from his duties at Fortisbank and became CEO at Turkey’s largest newsprint media holding company, Doğan Media. In April 2009, Açıkalın was appointed as Executive Director of Yapı Kredi’s Board of Directors and was also appointed as Chairman of the Executive Committee. Serving as Yapı Kredi’s CEO since May 2009, in addition to his current role, in 2010 Açıkalın was also appointed as CEO of Koç Financial Services. Also as of August 2011, Açıkalın became the President of Koç Holding’s Banking and Insurance Group. At the same time, Açıkalın serves as Chairman of Yapı Kredi Malta, Yapı Kredi Invest, Yapı Kredi Leasing, Yapı Kredi Factoring, Yapı Kredi Bank Nederland, Yapı Kredi Bank Azerbaijan, Yapı Kredi Bank Moscow, Yapı Kredi Koray Real Estate Investment Trust, Koç Finance, as Vice Chairman of Banque de Commerce et de Placements S.A. and Allianz Yaşam ve Emeklilik and as Director of the Banks Association of Turkey.

Niccolò UBERTALLİ Executive Director and Deputy CEO

After graduating from Politecnico di Torino (Turin, Italy) with a Bachelor’s Degree in Material Engineering in 1996, Niccolò Ubertalli received his Master’s in Business Administration from Owen Graduate School of Management at Vanderbilt University (Tennessee, USA) in 2000. During his Graduate program, Ubertalli also 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), the largest independent credit card issuer in the world acquired by Bank of America, 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 SpA, as Chief of Staff for Group CEO between 2009-2011 and as Head of Consumer Finance between 2011-2012. In 2012, Ubertalli moved to Romania and assumed the position of Deputy CEO at UniCredit Tiriac Bank. During his time there between 2012 and February 2015, he was also a Member of Management Board of Pioneer Investments, member of the Management Board of UniCredit Tiriac, Member of Supervisory Board of UniCredit Consumer Finance Bulgaria, Member of Supervisory Board of UniCredit Consumer Finance Romania and Member of Supervisory Board of Ergo Asigurari de Vita S.A Romania. As of February 2015, Niccolò has been appointed as the Executive Director and Deputy CEO of Yapı Kredi Bank, Turkey. Ubertalli also serves as Executive Director and Deputy CEO of Koç Financial Services and Vice Chairman in Yapı Kredi subsidiaries (Yapı Kredi Invest, Yapı Kredi Leasing, Yapı Kredi Factoring, Yapı Kredi Bank Nederland, Yapı Kredi Bank Azerbaijan, Yapı Kredi Bank Moscow, Yapı Kredi Bank Malta and Yapı Kredi Cultural Activities, Arts and Publishing). He is also a Member of Board of Directors of Yapı Kredi Koray Real Estate Investment Trust and Allianz Yaşam ve Emeklilik.

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.

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.

M. Murat ERMERT Assistant General Manager - Corporate Communications

Having graduated from Marmara University’s Business Administration department, Murat Ermert began his career at Leo Burnett Advertising Agency in 1987. He later worked at Yapı Kredi between 1989-1993 as Advertising Unit Manager. From 1994 on, he worked for Doğan Media Group as Media Marketing Manager. In 1996, he assumed the role of Advertising and Public Relations Coordinator at Demirbank. Ermert joined to Dışbank (later Fortis) as Assistant General Manager, Corporate Communications. After the acquisition of Dışbank by Fortis he also served at the Fortis Global Marketing and Communications Management (Brussels). Being a faculty member at both Anadolu University and Bahçeşehir University in the recent years, he is one of the founding members of Turkish Association of Corporate Communications Directors and a member of European Association of Communications Directors (EACD). Ermert has been Assistant General Manager in charge of Corporate Communications at Yapı Kredi since July 2008.

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.

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 Gökmen UÇAR Assistant General Manager - Human Resources and Organisation

Mehmet Gökmen Uçar graduated from Boğaziçi University, Faculty of Economics and Administrative Sciences, Economics Department in 1998. Between 1998 and 2002, he worked in Başaran Nas Bağımsız Denetim ve S.M.M.M. A.Ş. (PwC) as an Independent Auditor and obtained the Certified Public Accountant qualification. He joined Koçbank in 2002 and worked at Budget Control and Planning as Budget Planning and MIS Supervisor until 2005. Between 2005 and 2007, he took several management responsibilities over strategy, budgeting and planning areas under UniCredit Group in Italy, Germany and Austria. He returned to Yapı Kredi in 2008 and worked as Capital Management, Cost Control and Allocation Supervisor, Head of Financial Reporting and Vice President in charge of Financial Reporting and Accounting, respectively. In 2011, he was appointed as Financial Reporting and Accounting Executive Vice President. Between 2012 and 2015, he worked as Assistant General Manager responsible for Retail Credits and also he was a Member of the Board of Directors at KKB simultaneously. He has been Assistant General Manager responsible for Human Resources and Organization since January 2016. He is also Member of the Executive Committee at Yapı Kredi Bank.

Mert ÖNCÜ Assistant General Manager – Treasury and Financial Institutions

After graduating from Istanbul Technical University, Electronics and Telecommunication Engineering Department in 1992, Mert Öncü completed his MBA degree at DePaul University in 1994 where he was also a graduate assistant between 1993-1994. Öncü earned his doctoral degree from Marmara University in 2001. After a brief experience as Intern at the Chicago Mercantile Exchange in 1994, Öncü joined Koçbank the same year and worked at the Treasury department respectively as Senior Dealer, Section Head and Treasury TL/ FX Manager. Between 2003 and 2006, he served as the Money and FX Markets Manager. In 2006, he became the Head of Money and FX Markets at Yapı Kredi. Öncü has been Assistant General Manager in charge of Treasury and Financial Institutions and a Member of the Executive Committee since May 2011.

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.

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.

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.

Patrick JOSEF SCHMİTT Assistant General Manager - Risk Management (CRO)

Mr. Patrick Schmitt, graduated from University of Cologne, Germany and completed a masters programme at Community of European Management Schools (CEMS) in 2001. Mr. Schmitt started his professional career at UniCredit Bank Germany as a Relationship Manager for MidCap Corporate Customers. In 2005, Mr. Schmitt took a position as Executive Assistant to the Chief Risk Officer at UniCredit Bank which he held until 2007. Between 2007 and 2014, Mr. Schmitt worked as Head of Credit Underwriting for Machinery, Metal, Construction and Automotive Industry at UniCredit Bank. Later in 2014, Mr. Schmitt was appointed as Chief Risk Officer at UniCredit Bulbank Bulgaria. Mr. Schmitt has been working as Assistant General Manager for Risk Management and as a member of the Executive Committee at Yapı Kredi since October 2016. Mr. Schmitt is also a member of the Board of Directors of domestic and foreign subsidiaries of Yapı Kredi.

Zeynep Nazan SOMER ÖZELGİN Assistant General Manager - Retail Banking

After graduating from the Faculty of Business Administration at Boğaziçi University, Zeynep Nazan Somer Özelgin joined Arthur Andersen in 1988 as an Independent Auditor and obtained her Certified Public Accountant certificate. Between 1999 and 2000, she worked as Partner in charge of the finance sector. She joined Yapı Kredi in September 2000 as Assistant General Manager in charge of Individual Banking. Between 2003 and 2009, she served as Assistant General Manager in charge of Credit Cards and Consumer Lending. Somer Özelgin has been Assistant General Manager in charge of Retail Banking at Yapı Kredi and a Member of the Executive Committee since February 2009. In addition, she has been a Member of the Board of Directors of Yapı Kredi Bank Azerbaijan since September 2012 and a member of the Board of Directors of Tanı Pazarlama A.Ş since March 2014. Furthermore, Somer Özelgin has been a Board Director of Visa Europe since May 2003 till June 2016 and a Board Director of 441 Turst Company Limited since June 2016. Throughout her career, Mrs. Somer Özelgin also assumed responsibilities as Board Member and Chairwoman of KKB (Turkish Credit Bureau ) and BKM (Turkish Interbank Card Center).

Feza TAN Assistant General Manager - Corporate and Commercial Banking

After graduating from the Department of Economics at Boğaziçi University in 1993, Feza Tan began her professional career at Yapı Kredi as a Management Trainee in Corporate and Commercial Credits and served in various positions in the same department between 1993 and 2006. In 2006, she was promoted as Head of Corporate and Commercial Credits Underwriting. In February 2009, Tan became Assistant General Manager in charge of Corporate and Commercial Credits. Tan has been Assistant General Manager in charge of Corporate and Commercial Banking since February 2013 and a Member of the Executive Committee since January 2013. Tan is also a Member of the Board of Directors of Yapı Kredi Factoring, Yapı Kredi Leasing, Yapı Kredi Bank Moscow, Yapı Kredi Bank Azerbaijan and Yapı Kredi Bank Malta.

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.

Mert YAZICIOĞLU Assistant General Manager - Private Banking and Wealth Management

Mert Yazıcıoğlu graduated from Istanbul Technical University, Management Engineering program. After receiving his MA from Istanbul Technical University, Department of Business Administration, Mert Yazıcıoğlu began his career at S. Bolton and Sons in 1987. In 1989, Yazıcıoğlu joined Koçbank first as a Customer Relations Officer, became a Junior Dealer in 1990, and Dealer, Senior Dealer and Section Head respectively. Her served as Unit Head of Treasury in 1996 and assumed the position of Assistant General Manager in charge of Treasury in 1999. Between February 2006 and May 2011, he served as Assistant General Manager responsible for Treasury at Yapı Kredi. He has been Assistant General Manager in charge of Private Banking and Wealth Management since May 2011 and a Member of the Executive Committee since February 2011.

* Giovanni Battista Avanzi has been appointed as Assistant General Manager in charge of Internal Audit at Yapı Kredi as of January 2017.
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