M. Ömer A. Aras
Dr. Aras graduated from the Academy of Economic and Commercial Sciences, Department of Economics, in 1975. He received an MBA in 1978 and a PhD in Business Administration in 1981 from Syracuse University. Over the next three years, he was a faculty member at the Business Administration Department of Ohio State University, and worked as a consultant. Between 1984 and 1987, he served as Credit Marketing Manager and Credit Committee Member at Citibank, and worked as the Head of Yapı Kredi Securities. Dr. Aras participated in the founding of Finansbank A.Ş in 1987, and served as Assistant General Manager for two years and as General Manager for six years and as an Executive Board Member of Finansbank A.Ş and Vice Chairman of Fiba Holding from 1989 to 2006. Between 2003 and 2007 he held the Board Member position in TUSIAD (Turkish Industrialists' Businessmen's Association). Mr. Aras served as Vice Chairman of Finansbank A.Ş. and Group CEO of Finansbank A.Ş Group of Financial Companies (FinansLeasing, QNB Finansinvest and QNB Finans Asset Management) between 2006 (November) - 2010 (April). Dr. Aras was appointed as Chairman in April 2010. Currently, he is the Vice President of the High Advisory Council of TUSIAD, member of GBA Angel investor platform, a member of the Higher Advisory Board of Darüşşafaka Cemiyeti and Board of Trustees of Boğaziçi University Foundation and he is serving as a mentor on the Woman on Board Association.
Yousef Mahmoud H. N. Al-Neama
Vice Chairperson of the Board of Directors
Al-Neama joined QNB in 2005, and currently serves as the Group Chief Business Officer. Prior to joining QNB, he held a variety of roles in financial institutions and corporates within Qatar and abroad, and has more than 15 years of experience in financial institutions. Al-Neama holds a BS in Aviation Management from Florida Technology in the United States and a diploma in Business Administration from Glamorgan University in Wales. As part of widening his experience and knowledge, he attended various seminars, workshops and advanced courses in International Banking, Marketing and Financial Analysis. Currently, he serves as a Vice Chairperson of Mansour Bank in Iraq and The Housing Bank for Trade & Finance in Jordan. He also serves as a member of the Board of Directors QNB Capital.
Adel Ali M. A. Al-Malki
Member of the Board of Directors
Ali A. Al-Malki is the Senior Executive Vice President of QNB Group’s Retail Banking Division. He received his bachelor’s degree in Computer Information Technology from Qatar University in 2001. He enjoys more than 20 years of experience in the field of information technology, where he occupied a number of management positions. He was the General Manager of the Group’s Information Technology Department from 2010 to 2021 and Assistant General Manager Development & User Services from 2009 to 2010. He also served as Executive Manager Development and User Services from 2007 to 2009. He supervised several projects at the bank and state level, and was the E-Business Manager from 2005 to 2007 and a systems analyst from 2003 to 2005. His career began in Qatar’s Ministry of Interior in 1998 at the Information Systems Department until he joined QNB. Al-Malki is also a board member in the Group’s subsidiaries, including, Al-Mansour Investment Bank in Iraq and Finansbank in Turkey, in addition to his membership in the board of directors of Egypt’s QNB Al Ahli since October 2015.
Ramzi Talat A. Mari
Member of the Board of Directors
Mr. Mari joined QNB in 1997 from the Bank of Jordan and currently serves as the Group Chief Financial Officer. He has almost 30 years of experience in the banking sector. He is currently a member of the Board of Directors at Housing Bank for Trade and Finance (Jordan), QNB Finansbank (Turkey) and QNB Capital LLC. Mr. Mari is a Certified Public Accountant (CPA) from the State of California (in 1989) and holds a Master’s Degree in Accounting from California State University in the US.
Noor Mohd J. A. Al-Naimi
Member of the Board of Directors
She joined QNB in 2000, and has 20 years of banking experience. She received her bachelor’s degree in Business Administration at the University of Qatar in 1999. She held various positions in the Treasury Operations and Control Division. Lastly, she is serving as Senior Executive Vice President - Group Treasury and Financial Institutions. She has attended and participated in different courses, conferences and seminars locally and internationally like legal aspects of banking, leadership skills for bankers, international cash & treasury management, clear stream, treasury documentation and IIF Future Leaders Program. Noor also completed the Qatar Executive Leaders Program 2017-2018. Currently, she serves as a Member of the Board of Directors and Audit Committee Member of QNB Finansbank.
Fatma Abdulla S. S. Al-Suwaidi
Member of the Board of Directors
Al-Suwaidi joined QNB in 2000, and with over 20 years’ experience in banking, she currently serves as the Group Chief Risk Officer, having previously been Assistant General Manager of Credit Risk Management. In addition, she is also President Commissioner of QNB Indonesia. She has a BSc in Accounting, a Master’s Degree in Business Administration (Qatar University), a MSc in Risk Management (University of New York) and a Juris Doctor Degree (Hamad Bin Khalifa University). She holds a particular interest in banking innovation, and has recently completed a Doctorate in Business Administration from Grenoble University France, on the subject of ‘Innovation in Banking and Financial Markets’, focusing on crypto currencies.
Member of the Board of Directors
Yeşim is an Independent and International Finance Corporation (IFC) nominated Board Director serving on multiple boards in Turkey and Europe. She has more than 30 years of executive experience including full P&L responsibility with multinationals and large corporations like P&G, Danone, Draeger in the fields of Consumer Goods, Food and Beverage, Life Sciences and lately in Technology. She serves as IFC nominee director on the Board for Acibadem City Clinic BV, based in Amsterdam for Hospital Operations in the Balkans, an Independent Board Director for Pinar Dairy Products, and an Independent Board Director for Altın Yunus Cesme Tourism Company in Turkey. She is an International Advisor to the European Bank for Reconstruction and Development (EBRD), Business Coach under European Innovation Council (EIC), Strategic Advisor to CEOs and Boards.
Yeşim is a Qualified Risk Director® and Regional Director of DCRO (Directors and Chief Risk Officers) Institute for Belgium and Turkey. She serves on the Supervisory Board of DCRO Institute in the USA, as a Board member of Board Members Association in Turkey and a member of the Global Deans Council of Kelley School of Business, USA.
Yeşim Güra holds an MBA from Kelley School of Business in the USA and a BA degree from Bogaziçi University in Turkey.
Member of the Board of Directors
Mr. Nofal joined QNB Group in 2003 and served as the Group Chief Compliance Officer of QNB Group for over 15 years. He has over 36 years of banking and financial services industry experience and specializes in the Compliance, Audit & Risk fields. Prior to joining QNB, Mr. Nofal worked with the Arab Bank Group, Jordan Ahli Bank, the Arab World Auditing Bureau and a Jordanian Public Accountancy Firm. He holds a Bachelor’s Degree in Commerce with a number of professional certifications like the Certified Internal Auditor (CIA), Certified Fraud Examiner (CFE), Certified Compliance Officer (CCO) and has a professional Diploma in Audit and Accounting. Mr. Nofal is also a member of the Association of Certified Fraud Examiners (ACFE), Association of Certified Anti-Money Laundering Specialists (ACAMS) and Institute of Internal Auditors (IIA). In addition, he is a member of MENA Financial Crime Compliance Group (FCCG) in partnership with the Union of Arab Banks.
Durmuş Ali Kuzu
Member of the Board of Directors and Audit Committee
Mr. Kuzu, Ph.D., has been a member of QNB Finansbank Board of Directors since 2016 with the deep knowledge and experience he gained in the banking and finance sector, where he worked for many years as a banker and supervisor. Within the same year, he was assigned as the member of the Bank’s Audit Committee which is responsible for the efficient running of internal systems, risk management, compliance and internal control units. He completed his master's degree in Business Administration at the University of Illinois in the United States in 2008 and received his Ph.D in the field of Accounting and Finance at Başkent University in 2018. Until today, Mr. Kuzu, Ph.D has taken charge in many national and international committees, acted as a state representative in BASEL and FSB Banking Committees, worked as FSAP country coordinator, carried out studies concerning banking-finance regulation and audit practices of various countries such as the USA, England as well as European Union, attended various seminars and conferences. In addition to his book publications, his articles and papers were published in magazines and discussed at various conferences. He lectured at universities. He is currently a member of the Board of Directors of TMA Turkey and Foundation of Sworn Bank Auditors.
Member of the Board of Directors
Born in 1969, Güzeloğlu has BSc degrees from the Electrical and Electronics Engineering and Physics Departments of the Bosphorus University. Güzeloğlu received an MSc degree from Northeastern University Electrical and Computer Engineering and an MBA from Bilgi University. Güzeloğlu worked as the Executive Vice President of Finansbank responsible for consumer banking till August 2008. He then served as Executive Vice President of Retail Banking and Member of Management Committee until April 2010. From April 2010 to January 2022, he served as the General Manager of QNB Finansbank. Before joining QNB Finansbank he worked at McKinsey & Co., Citibank and Unilever in various positions.
Osman Ömür Tan
General Manager (CEO) and Member of the Board of Directors
Born in 1971, Ömür Tan graduated from Ankara Atatürk Anadolu College. He completed his undergraduate study at the Statistical Department of Hacettepe University and MBA Degree at Bilgi University. Tan began to work at Yapı Kredi Bankası as a Management Trainee in 1995 and joined Finansbank A.Ş in 1998. After taking various roles in Corporate Branches, he was assigned as Corporate Branch Manager, Head Office Key Account Senior Vice President and then, Corporate Banking Senior Vice President. As of 2011, he acts as the Executive Vice President for Corporate and Commercial Banking, together with the functions of Project Finance and Cash Management and Foreign Trade Financing. He was appointed as the General Manager of QNB Finansbank as of January 2022. Ömür Tan is also the Chairperson of QNB Finansfaktoring and the Vice Chairperson of QNB eFinans.
MANAGEMENT & EXECUTIVE VICE PRESIDENTS
Adnan Menderes Yayla
Executive Vice President, Financial Control and Planning
Born in Ankara in 1963, Yayla graduated from the Economics Department of the Faculty of Political Science of the Ankara University in 1985. He did his MBA at the University of Illinois at Urbana-Champaign from 1992-1994. He worked for the Ministry of Finance as an Assistant Auditor and Auditor from 1985-1995; for the Privatization Administration as a Project Valuation Division Chief from 1995-1996; for Price Waterhouse Coopers as a Manager, a Senior Manager, and a Partner in their Istanbul and London offices from 1996-2000; and for the Türk Dış Ticaret Bankası (Fortis) as the Executive Vice President in charge of the Financial Comptrolling Group and Risk Management from 2000-2008. He joined Finansbank A.Ş on 20 May 2008 as an Executive Vice President and the Group CFO. He has been a Member of Management Committee of Finansbank A.Ş and the Group CFO since August 2008. As of October 2013, he holds the title of Vice General Manager for Financial Control and Planning, as well as Group CFO.
Chief Legal Officer-Executive Vice President
Yılmaz graduated from İstanbul University Law School. Active in business since 1996, Yılmaz received his finance education at University of Toronto in 2000. With an MBA from Koç University, he started his banking career at Dışbank in 2002. He served as Director of Legal Affairs at Fortisbank A.Ş. and as a member of the Board and Legal Counsel at Societe Generale Turkey. Yılmaz joined QNB Finansbank A.Ş in 2016 and has been acting as Chief Legal Counsel since May 2018.
Burçin Dündar Tüzün
Executive Vice President, Corporate and Commercial Credits
Tüzün completed her undergraduate study in Civil Engineering at the Engineering Faculty, Middle East Technical University in 1997 and her Master’s in business administration at Bilkent University Business Administration Faculty in 1999. She started her banking career as assistant auditor at Finansbank A.Ş. Internal Audit Department in 1999, joined Corporate Credits Allocation Department in 2005 and served as corporate credits manager, division manager and department manager. She was appointed Corporate and Commercial Credits Director responsible for Corporate, Commercial and Structured Finance Credits Allocation in 2016. Tüzün additionally took Credits Monitoring and Financial Institutions Credits Management responsibility in 2018. She has been appointed as Corporate and Commercial Credits Executive Vice President since December 2019.
Executive Vice President, Human Resources
Born in 1973, Akıncılar graduated from the Mathematics Department of the Faculty of Science and Literature at Eskişehir Anadolu/Osmangazi University in 1996. He served as a mathematics teacher for 3 months. He worked as the Senior Officer responsible for Salary and Industrial Relations at Human Resources Department of Pamukbank between 1998 and May 2003. He joined QNB Finansbank in May 2003. He worked as Human Resources Assistant Manager responsible for Recruitment, System Development and Projects; manager of the Organizational Development, Performance, Strategic Reporting and Revenue Management, Employee Rights and Systemic Authorization Management, then became division manager of Human Resources Management Systems and Revenue Management, Employee Rights and Systemic Authorization Management Department. Akıncılar was assigned as the Director of Human Resources in July 2018, and has been appointed as Human Resources Executive Vice President since January 2019.
Executive Vice President, Enpara.com
Born in 1976, Türkmen has BSc degree from the Mathematical Engineering Department of Yıldız Technical University and MBA Degree from Bilgi University. He began his career in 1997 as a Software Engineer in Sabancı Holding. He joined QNB Finansbank in 2000 and worked as a Software Engineer and Project Manager at IBTech A.Ş., a technology subsidiary of QNB Finansbank until 2010. He became the manager of Business Development and Strategy Office of QNB Finansbank in 2010, Group Manager of CEO Office in 2012 and Director of Digital Banking at Enpara.com in 2015. Being one of the founding executives of Enpara.com, Cumhur Türkmen continues his role as Executive Vice President in Enpara.com since July 2018.
Executive Vice President, QNBEYOND-Innovation and Entrepreneurship
Born in 1980, Düner graduated from the School of Engineering at Bogazici University with a Bachelor of Science degree in Industrial Engineering. Between the years 2003 – 2006 at Mercedes Benz and between 2006 – 2007 at Pfizer, she undertook several positions in the fields of marketing, project management and strategy. In 2007, she joined QNB Finansbank as a Manager in Retail Banking. Following various responsibilities, she acted as one of the founding executives of Enpara.com throughout its set-up. After Enpara.com’s launch in 2012, she worked as the Director of Customer Management. In 2015, in addition to her existing responsibilities, she launched and ran the Customer Experience Management Office of QNB Finansbank. In January 2018, she founded QNBEYOND, the Innovation Department, and ran the department as the Director responsible for innovation. Düner continues her role as the Executive Vice President at QNBEYOND since January 2020.
Executive Vice President, ME and Commercial Banking
Born in 1980, Turhan received his bachelor's degree in Economics at the Faculty of Economics and Administrative Sciences, Marmara University and holds a master's degree in International Political Economy and Management. He began his career in the MT (Management Trainee) program at Finansbank A.Ş. in 2003. After having worked in various divisions of the Loans Department till 2005, Turhan transferred to Project Finance where he held positions of specialist and manager in Project Monitoring, Project Appraisal, Corporate Finance, and Syndicated Loans divisions. Following his assignment in 2012 as the Group Manager of Corporate Banking Structured Finance and Syndicated Loans, he was appointed as the Director of Corporate Derivatives Sales in 2014. Commercial Banking was added to his existing duties in 2015 and as of June 2016, he took on the position as the Executive Vice President in charge of Commercial Banking and Project Finance. As of January 2022, he continues to act as the Executive Vice President in charge of ME and Commercial Banking, together with the functions of Cash Management and Foreign Trade.
Executive Vice President, Retail and Private Banking
He has BA degree from Electrical and Electronics Engineering Department of Bogazici University and completed his MBA in University of London. He was the Marketing Director in Citibank Turkey between 1999-2002 and worked in several managerial positions in Citibank London between 2002-2006. During 2006-2010 he was the director of Marketing Unit of Citibank Turkey . He then joined Finansbank A.Ş Retail Banking Department as a Group Manager in 2010. He worked as the Director of Retail Banking and Direct Sales between 2012-2014 and recently appointed as the Executive Vice President of Retail Banking.
Head of Internal Audit
Born in Eskişehir in 1971, Mr. Emir graduated from Middle East Technical University, Department of Business Administration, in 1994. He received his master's degree in Organizational Psychology at the University of London in 2010. He started his banking career in 1995 at İşbank as an Assistant Auditor. Mr. Emir then started to work at the Internal Audit Department of Finansbank A.Ş as an Auditor in 1998 and was appointed as the Deputy CAE in 2004. He was in charge of the Head Office and Subsidiary Audits in the past two years, after which he was appointed as the Chief Audit Executive in March 2011.
Executive Vice President, Loan Monitoring and Follow-Up
İsmail Işık was born in 1980. He graduated from Istanbul University faculty of Business Administration (English) and received his executive MBA degree from İTÜ Management Engineering Faculty in 2006. He started his banking career at Finansbank A.Ş Internal Audit Department as an assistant auditor in 2003. He worked as an Auditor, Senior Auditor and Unit Head until 2012 at Internal Audit Department. He was appointed as a division manager of SME Loan Monitoring and Remedial Management Department in 2012 and than worked as a Director of Loan Monitoring, Remedial and NPL Management responsible with SME-Commercial-Corporate segments since 2017. İsmail Işık additionally took all segments responsibility in September 2021 and he has been appointed as Loan Monitoring and Follow-Up Executive Vice President since January 2023.
Executive Vice President, Treasury
1967-born Çoban received his BA from the Business Administration Department of the Middle East Technical University, Ankara, Turkey in 1990. Receiving a master's degree in finance from the City University, Çoban worked for Türk Eximbank and Demirbank A.Ş. between 1995 and 1997. Appointed the International Markets Director with Finansbank A.Ş the same year, he served as Finansbank A.Ş's International Markets Group Chief from 1998-2000. Assuming a number of managerial posts in the Treasury Department thereafter, Çoban has been the Finansbank A.Ş Executive Vice President in charge of Treasury since August 2008.
Mehmet Kürşad Demirkol
Executive Vice President, Information Technologies, Operation, Channels & Business Development
Mr. Demirkol was born in 1973. He graduated from the Bilkent University, Department of Electrical and Electronics Engineering in 1995 with ranking 1st among the graduates. He received his M.Sc. and Ph. D. degrees from Stanford University. He worked as Associate Application Engineer at Oracle - Redwood from 1996 till 1997 and Research Assistant at the Stanford University from 1997 till 1999. He served as Senior Associate at the Atlanta and İstanbul offices of McKinsey&Company between 1999 and 2003. He worked in the Business Development and Strategy Department at Finansbank A.Ş between 2004 and 2005 and worked as VP of IT and Card Operations at Finansbank Russia in 2005. He served as Business Development and Marketing Director at Memorial Healthcare Group from 2005 till 2007.In 2007, he became the head of Information Technologies at Vakıfbank and was assigned as Chief Information Officer and additionally became the Chief Operation Officer in 2008. Mr. Demirkol has been working as Executive Vice President in charge of Information Technologies, Operation, Channels & Business Development at Finansbank A.Ş since August, 2010.
Executive Vice President, Payment Systems
He was graduated from Industrial Engineering Department of Bogazici University in 1999 and completed his MBA in Ozyegin University. He was assigned as a specialist in Finansbank A.Ş between 1999 and 2001. In 2004, he was assigned as Assistant Manager in Aviva. As of September 2004, he took the tasks of Strategy Office Assistant Manager, Data Mining Assistant Manager, Analytic Marketing Vice President and Portfolio Management and Analytics Senior Vice President in Finansbank A.Ş until 2012. Koraş took the Consumer Payment Systems Director task between 2012 and 2015 and as of May 2015, he works as Payment Systems Executive Vice President in Finansbank A.Ş.
Head of Internal Control and Compliance
Mr. Kısas graduated from Hacettepe University, Business Administration Department in 2008 and completed MBA Degree at Sakarya University in 2013.He started his career in 2008 and held various roles in Internal Audit Departments at Eurobank Tekfen A.Ş., Turklandbank A.Ş. and Zorlu Holding A.Ş. between 2008 and 2017.He joined QNB Group in 2017 and served in QNB Group Compliance – Qatar as Vice President till December 2023.Throughout his career, he specialized in Compliance, Internal Control and Audit, holding professional certifications and licenses such as Certified Internal Auditor (CIA), Certified Fraud Examiner (CFE), Certification in Risk Management Assurance (CRMA), International Compliance Association in Financial Crime Prevention (ICA), Capital Markets Board – Level II and Qatar Financial Markets Authority Regulations (CISI – QFMA).
Zeynep Aydın Demirkıran
Head of Risk Management
A graduate of Ankara Atatürk Anatolian High School, Demirkıran completed her undergraduate study at the Economy Department of Bilkent University and master's degree in Economics at Georgetown University, Washington D.C. She lectured at Georgetown University until December 1998, after that she worked as a specialist at the Risk Management Department of Turkiye İş Bankası, between 1999-2002. She joined Finansbank A.Ş in 2002 and assumed positions as Senior Risk Manager and Coordinator of the Basel II Program. In September 2011, she was promoted to Head of Risk Management and has held this position since.
Executive Vice President, Corporate Banking
Zeynep Kulalar was born in 1971 and she was graduated from METU Faculty of Economics and Administrative Sciences Department of Business Administration in 1994. She served as Portfolio Assistant Manager in Yapı Kredi Bank between September 1994 and December 2002 and served as Corporate Portfolio Assistant Manager in MNG Bank between January 2003 and July 2005. She joined QNB Finansbank as Corporate Marketing Team Assistant Manager in July 2005. She served respectively as Key Customer Vice President, Corporate Banking Sales and Marketing Vice President, Performance& Foreign Trade and Portfolio Management Senior Vice President, Foreign Trade and Portfolio Management Division Manager and Corporate Banking Portfolio Management Division Manager. She was assigned as Corporate Banking Director in June 2016. She has been appointed as Corporate Banking Executive Vice President since December 2019.