Emin HOCAOĞLU
President of the Audit Board
He was born in 1986 in İstanbul. He graduated from İstanbul University, Faculty of Economics, Department of Economics in 2008. In 2010, he completed Anadolu University Foreign Trade Program. He completed his postgraduate program in Financial Markets and Investment Management at Marmara University in 2022. He started his professional life in the purchasing department of Eczacıbaşı-Monrol Nuclear Products Company, one of the companies in the healthcare group of the Eczacıbaşı Group. In a change of career, he switched to the banking sector and started to work as an Assistant Auditor at Ziraat Bank after working as an Assistant Auditor at Şekerbank for 6 months. Following his 8-year duty in the Ziraat Bank Audit Board, he started to work at Ziraat Participation as the Vice President of the Audit Board on 4 March 2019. He was appointed as the President of the Audit Board on 28 July 2021 and he has been continuing his duty since then.
Semih TURHAN
Head of Internal Control Department
He was born in Erzurum in 1980. He obtained his bachelor’s degree in Economics from Dokuz Eylül University, Faculty of Economics and Administrative Sciences, and his master’s degree in Business Administration from Atatürk University, Social Sciences Institute. Turhan, who is also a graduate of Anadolu University’s Department of Justice, commenced his professional career with a private consultancy company specializing in ISO 9001 Certification and Total Quality Management. In 2007, he began his banking career as an Assistant Internal Controller at Ziraat Bank. In 2015, he was transferred to Ziraat Participation, where he played a role in the establishment activities. Following his tenure as the Erzurum and Çayırova Branch Manager, he currently holds the position of Head of the Internal Control Department, a role he assumed in September 2023.
Yasin KULOĞLU
Head of Compliance Department
He was born in Bartın in 1972. In 1996, he completed his studies at Boğaziçi University in the Faculty of Economics and Administrative Sciences, where he majored in Political Science and International Relations. In 1996, he commenced his banking profession as an assistant specialist at İhlas Finans Kurumu. He worked in the Research and Development/Product Development, Retail Banking, and Loans Departments. In 2001, he started his job at Kuveyt Türk Katılım Bankası and held positions as an expert, director, and manager in the credit allocation and financial analysis departments, consecutively. In November 2014, he joined Ziraat Finance Group and held the positions of Manager and Head of the Personal Loans Department at our Bank. In May 2019, he assumed the position of Department Head at our bank’s newly established Credit Processes Department. Mr. Kuloğlu, who held the position of Head of the Retail Loans Allocation and Management Department from 2021 to 2023, was appointed as the Head of the Compliance Department starting in October 2023 and is currently holding that position.
Yasin ÖZBEY
Head of Risk Management
Yasin Özbey was born in İstanbul in 1981. He graduated from Erciyes University Faculty of Economics and Administrative Sciences Department of Economics in 2003. He finished his graduate studies in Business Administration in 2011. In 2012, he received his CPA certificate. Mr. Özbey started his professional career in 2004 at Anadolu Finans Kurumu A.Ş. Financial Affairs Group Directorate, Financial Control service. He served as Financial Control Supervisor between 2004 and 2008. He took place in the merger of Anadolu Finans Kurumu and Family Finans Kurumu. He worked at Türkiye Finans, Financial Control and Reporting Department’s Audit and Legal Reporting service between 2008 and 2013. After working at Aktifbank and Albaraka Türk in Regulatory Reporting services he joined Ziraat Bank for the inception of Ziraat Participation on 1 December 2014. At Ziraat Participation, Mr. Özbey worked as Financial Control Office at Financial Coordination Department and as Retail Banking Officer at Kütahya Branch. In April 2018, he was appointed as Balance Sheet and Operational Risk Manager at the Risk Management Department and since 9 May 2022, he is acting the Head of Ziraat Participation Risk Management Department.
