Kerem Orbay graduated from Middle East Technical University, Department of Civil Engineering and received his MSC degree in Business Administration from Hacettepe University.

Since 2007, Kerem Orbay has been working in different positions within Garanti BBVA, most recently as “Garanti BBVA - Retail Banking Marketing Director” between 2017 and 2023, and as of December 2023, he assumed the position of Garanti BBVA Payment Systems CEO.

Mr. Orbay has many years of professional experience in the banking sector, particularly in Business Development, Customer Relationship Management, Analysis and Finance.