I help financial services and digital businesses turn data into decisive strategies, intelligent solutions and sustainable growth.
I take a hands-on approach, working directly with business problems and data to uncover what really matters, shape the right course of action and turn strategy into measurable results.
The focus starts with identifying the right problems and opportunities — the ones with potential to create real business impact.
Advanced analytics, AI and domain expertise are combined to turn complex data into intelligent, practical solutions.
Solutions are carried through implementation, measurement and scaling, with sustainable value as the end goal.
I work across strategy, analytics and risk, combining business judgment with hands-on data analysis to move from complex questions to practical, measurable solutions.
Growth priorities are clarified by evaluating market and portfolio opportunities, shaping business models and translating strategic questions into clear, actionable roadmaps. The focus is on identifying where value can be created and how that opportunity can be converted into measurable business growth.
Customer data is used to understand behavior, value and engagement across the lifecycle. Segmentation, CLV, churn, campaign analytics and CRM strategy are applied to improve retention, customer value and commercial effectiveness.
Predictive models and AI-driven decision solutions are designed around real business problems. Forecasting, propensity models and intelligent decision systems combine analytical depth with business context, so models are not only accurate but useful in practice.
Pricing and profitability decisions are strengthened by connecting customer behavior, risk, economics and commercial performance. The work spans pricing strategy, profitability analytics, scenario evaluation and optimization of offers, portfolios and business decisions.
Credit risk and decision frameworks are developed across scoring, underwriting, risk-based pricing, portfolio strategy and decision engines. The aim is to balance growth and risk while creating transparent, data-driven decision processes that can be implemented operationally.
Alternative and open-banking data are translated into practical analytical use cases, including scoring, customer insight, fraud signals and data monetization. The focus is on finding incremental value in new data sources and integrating that value into business decisions.
My background is rooted in both mathematics and economics. I hold a B.Sc. in Mathematics Engineering and an M.Sc. in Econometrics from Istanbul Technical University. This combination shaped the way I approach business problems — bringing together analytical thinking, quantitative methods and a strong understanding of how businesses and markets work.
Over the past 15+ years, my career has evolved from customer and marketing analytics in banking and insurance to data science, AI, credit risk and broader business strategy. I have held roles at organizations including QNB Finansbank, Akbank, Aktif Bank, KoçDigital, Turkish Credit Bureau, Experian, Misli and Hayhay Finansman, while also working independently on analytics and machine learning projects for financial institutions and large enterprises. Along the way, my work has spanned customer intelligence, predictive modeling, pricing and profitability optimization, credit decision systems, portfolio strategy and growth — always with the same focus: using data to solve real business problems and turn analytical insight into measurable impact.
If you are looking to solve complex challenges, unlock growth and create lasting impact, I would love to hear from you.