Team

Mr. Bakkal graduated from Bogazici University in Turkey. Mr. Bakkal has a long experience in the banking sector. His experience began in 2008, as Corporate Marketing Manager at Aktif Bank. From 2013 to 2014, he was appointed to the position of Corporate Banking Manager, and from 2014 to 2015 he was appointed to the position of Manager of the Main Branch of Aktif Bank. From 2015 to 2018, Mr. Bakkal was appointed to the position of Corporate Marketing Director. From 2017 until 2018, he was appointed member of the Board of Inovaban – Financial and Innovation Consulting A.S. In 2018, he was appointed to the position of Chief Executive Officer and Board Member at BKT Kosovo JSC. Currently, Mr. Bakkal is a Board Member also in Mukafat Asset Management A.S in Turkey.

Mr. Mulaku graduated in Financial Business at the University of Prishtina. Mr. Mulaku has a long experience in the banking sector. From 2002 until 2003 he worked as a Trainer and Translator in the OSCE. In 2003, he began his career as a Credit Officer at ProCredit Bank, then in 2005 he was appointed as the Sub-Branch Coordinator at the same bank. From 2007 to 2009 he was appointed to the position of the Regional Corporate Manager. From 2009 to 2010, Mr. Mulaku joined ProCredit Holding in Germany as Credit Risk Specialist and was responsible for ProCredit in Albania, Bulgaria and Macedonia. Mr. Mulaku joined BKT Kosovo SH.A. in 2010, as Head of Corporate and SME, and in 2013 he was appointed to the position of Corporate and Business Banking Group Head at BKT Kosovo SH.A.

Mr. Inan has graduated from Business Administration at Bilkent University in Turkey. He holds a master’s degree in Financial Engineering and Risk Management from Özyeğin University. His experience in the banking sector began in 2012 while he was working as Assistant Manager at FX Trading and Asset and Liability Management under Treasury at Aktif Bank in Turkey, and from 2017 to 2018 he was appointed to the Foreign Exchange Trader at the Asset and Liability Management Department at Garanti Bank in Turkey. In 2018, Mr. Inan was appointed to Financial Institutions Department Head at BKT Kosovo JSC, while from October 2018 he was appointed to the position of Treasury and Financial Institutions Group Head in BKT Kosovo JSC.

Mr. Ratkoceri graduated in Management and Informatics at Iliria College in Pristina. Mr. Ratkoceri has a long working experience. His career began in 2001 as Program Administrator and Financial Assistant at IOM (International Organization for Migration). From 2002 to 2004 he worked at Raiffeisen Bank Kosovo JSC in the Operations Supervisor, from 2004 to 2005 he worked as Loan Officer at ProCredit Bank, while from 2005 to 2007 Mr. Ratkoceri worked as Administrative and Finance Manager at Union Commerce in Pristina. From 2007 to 2009 he returned to the banking sector as ProCredit Bank’s Credit Risk Assessment Manager. In 2009, he joined BKT Kosovo as Manager of Department for Corporate Credit and Trade. In 2017, Mr. Ratkoceri was appointed to Risk Management Group Head, and in 2018 he was appointed to Credit and Legal Management Group Head in BKT Kosovo JSC.

Mr. Skeja graduated in Bachelor and master’s degree in Finance and Accounting, continuing his doctoral degree in the same direction. Currently he is a PhD candidate at the State University of Tetova. He started his career as Head of the Office for Quality and Internal Control at the University of Prizren, being involved in the academic processes, as well. From 2012, he joined BKT Kosovo in the Internal Audit Department as Assistant Auditor, then continued as an Authorized Assistant Auditor. As of 2015, he was appointed as Assistant Manager at the Accounting and Financial Control Department. In 2016, he was appointed to the position of Acting Head of Department, while in the same year until 2018, Mr. Skeja was the Head of the Accounting and Financial Control Department. In 2018, Mr. Skeja was appointed to the position of Accounting and Financial Control Group Head in BKT Kosovo SH.A.

Mr. Xhafaj graduated in Management at the University of Istanbul and holds a master’s degree in European Economic Studies at the University of Tirana. Mr. Xhafaj has a long working experience in the banking sector as well as a 3-year experience in telecommunications. His professional career began in 2002 at the Internal Auditing Department of BKT Albania, in the position of Internal Assistant Auditor, where he was promoted in 2008 to the position of Deputy Director, which he held until 2012. During this time, he was also engaged in the position of Secretary of the Board of Directors of BKT Albania. From 2012 to 2015, Mr. Xhafaj was appointed to the position of Internal Audit Director at the telecommunications company Albtelecom Sh.a., where he also established the Internal Audit function in this company. In 2015, he was appointed Head of the Internal Audit Group of BKT Kosovo JSC. In addition to the various qualifications in the banking sector, Mr. Xhafaj owns the CIA Certified Internal Auditor (CIA).

Mr. Mehmet Usta graduated from the Department of Economics and Finance at the Eskişehir Academy of Economic and Commercial Sciences. He has more than 35 years of banking experience. Following his service in Anadolu Bank between 1979 and 1987 as inspector and executive, he held various high-level executive positions in Emlak Bank both in Turkey and abroad between 1987 and 1994. Then, between 1994 until March 2007, he served at the Banque du Bosphore in Paris as CEO and Board member. In April 2008 he joined Aktif Bank as the Deputy Chairman of the Board of Directors. Since July 2009, Mr. Usta also acts as the Chairman of the Board of Directors at Banka Kombetare Tregtare, a subsidiary of Çalık Holding operating in Albania and Kosovo. He has been as  Member of Board  at the Brussels-based World Savings and Retail Banking Institute (WSBI) since May 2012 and acts as Chairman of the Board at Aktifbank subsidiaries UPT Ödeme Hizmetleri A.Ş. and  Sigortayeri Sigorta ve Reasürans Brokerlik A.Ş.

Mr. Seyhan Pencablıgil, who holds a M.A. in General Management from Bosphorus University, Turkey (1998); a M.Sc. in Finance from Lancaster University, UK (1996); and a B.A. in Business Administration from Bosphorus University, Turkey (1991), is a senior banker, with many years of managerial experience. He has done doctoral studies in philosophy at Sofia University in Bulgaria. Mr. Pencablıgil has worked in different positions in Kentbank, such as Vice President for Deposits – Treasury and Senior Vice President – International Banking. Since October 2000, he has been the Chief Executive Officer and Board Member of BKT. Mr. Pencablıgil is the Honorary Chairman of the National Committee of the International Chamber of Commerce; Chairman of the Albania Leasing Sh.a.; and Chairman of the Albanian and Turkish Chamber of Commerce and Industry. He is also an alternate Member of the Board of Directors of the World Savings Banks’ Institute (WSBI). He has held other positions like Chairman of the Albanian Association of Banks and Board Member of the Albanian Investment Development Agency. Mr. Pencablıgil was selected the CEO of the Year in Europe in 2012 by the EMEA Magazine. Recently, he has been awarded with the title of “Doctor Honoris Causa” by Aleksandër Moisiu University.

Mrs. Ayşegül Adaca Oğan joined BKT as a Board Member on 25 October 2017. She holds B.Sc. degree in Civil Engineering from Bosphorus University, Turkey, and M.Sc. degree in Engineering Management from Stanford University, USA. Mrs. Oğan has 17 years of experience in retail banking, digital banking and payment systems. She took managerial responsibilities in three leading commercial banks of Turkey and had worked in consumer finance industry in USA. Before joining BKT’s board of directors, she was the EVP of Retail Banking in Aktif Bank, where she was responsible from overall retail banking practices, retail lending, digital banking, payment systems and corporate communications.

Mr. Balkız graduated from Business Administration at Çukurova University in Turkey. He has a long experience in the banking sector. His career began in 1992 as Assistant Internal Auditor in Turk Ticaret Bank A.S. From 1995 to 1996, he was appointed as Internal Assistant Auditor at the Arab Bank-Turkey. Then from 1996 to 2000 he was appointed Internal Assistant Auditor at Kent Bank A.S. Since 2000, Mr. Balkiz joined BKT – Albania, where from 2000 to 2005 he was appointed to the position of Head of Internal Audit Group, from 2005 to 2007, was appointed as Group Head for Compliance and Administrative Matters, and from 2007 to 2014 was appointed to the Group Head of Operations. From 2014 to 2018, Mr. Balkız was appointed to the position of Director of BKT Kosovo SH.A. In 2018, he was appointed member of the board of BKT Kosovo SH.A.

Mr. Galip Tözge graduated from Marmara University’s Department of Economics (English) and received an MBA from the University of Missouri (USA). He commenced his banking career in 1993 at Citibank, and joined Akbank T.A.Ş. in 2002. He worked at Akbank and associated companies for 12 years serving in various senior management posts, including Assistant General Manager at Akbank, and Board Member at Ak Portföy Yönetimi A.Ş. and Ak Yatırım Menkul Değerler A.Ş. In 2015, he was appointed CEO at Aktif Bank and currently serves as President of the Banking Group at Çalık Holding. Mr. Tözge has joined the Board of Directors of BKT in February 2017.

Mr. Bakkal graduated from Bogazici University in Turkey. Mr. Bakkal has a long experience in the banking sector. His experience began in 2008, as Corporate Marketing Manager at Aktif Bank. From 2013 to 2014, he was appointed to the position of Corporate Banking Manager, and from 2014 to 2015 he was appointed to the position of Manager of the Main Branch of Aktif Bank. From 2015 to 2018, Mr. Bakkal was appointed to the position of Corporate Marketing Director. From 2017 until 2018, he was appointed member of the Board of Inovaban – Financial and Innovation Consulting A.S. In 2018, he was appointed to the position of Chief Executive Officer and Board Member at BKT Kosovo JSC. Currently, Mr. Bakkal is a Board Member also in Mukafat Asset Management A.S in Turkey.