Murat Atay

EVP & Chief Credit Risk Officer

Murat Atay, graduated from Middle East Technical University Department of Political Science and Public Administration, earned his master’s degree in in Accounting from Yeditepe University, and holds a doctoral degree in Banking and Finance from Istanbul Okan University. Starting his career as a corporate and credit analyst at Garanti BBVA, he worked as a Corporate Branch Manager between 2000-2009, and as the General Manager of Garanti BBVA Romania between 2009-2012. During this time he also served as the Chairman of the Board of Directors of Motoractive, Ralfi and Domenia companies. After having served as the General Manager of Garanti BBVA Mortgage between 2021-2020, as of January 2021, he was appointed as Chief Credit Risk Officer. With 27 years of experience in banking and business administration, Mr. Atay’s areas of responsibility are Wholesale Risk, Retail Risk, Corporate & Commercial Loans Restructuring; Risk Planning, Monitoring and Reporting; Risk Analytics, Technology and Innovation; Regional Loans Coordination.



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  • EVP & Chief Credit Risk Officer

    Current role


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