12+YearsBanking systems
Banking product leadership · Financial control · IFRS 9
GOKHANOZCAN
PRODUCT OWNER,
LENDING & FINANCIAL SYSTEMS
Bridging Business, Risk, Operations and IT. From auditing how banking processes fail to building the systems that make them work.
12 years at Aktifbank and Vakıf Katılım Bank, moving from auditing banking processes to owning the product backlog, BRD/FRD, sprint planning, UAT and go-live for financial control and IFRS 9 systems. MIS Master's, SQL/Python/VBA.
76Audits completedProcess & controls
13InvestigationsConfidential cases
70+Datasets integratedIFRS 9 infrastructure
₺21M+RecoveredCommission infrastructure
₺20BProvision impactIFRS 9 / Portfolio
Core systems I own
Product logic.
System control.
The banking domains and delivery mechanisms an IT Director needs aligned before a product can move safely into production.
Financial systemsProduct, accounting and control architecture
- 01Product Accounting SystemsAccounting rules, postings and integrations
- 02IFRS 9 / TFRS 9 Provisioning EngineProvision calculation and automated entries
- 03Financial Control & NPL / Loan ClassificationData lineage, controls and reconciliation
- 04Loan Accounting LogicIRR, accrual, rediscount, commission, BSMV / KKDF
Product delivery & governanceScope, compliance and production ownership
- 01Credit Cards, Loan Repayment Plan, Leasing & Non-Cash LoansProduct flows and accounting integrations
- 02Collateral & Suspense AccountsControl points and exception resolution
- 03BRSA / CBRT / Tax ComplianceRequirements translated into system changes
- 04PD / LGD / EAD Model CalibrationModel governance and periodic validation
- 05BRD / FRD, Backlog & Sprint PlanningBusiness need converted into buildable scope
- 06UAT & Go-LiveFunctional testing through production coordination
Engineering detail
From business rule
to production system.
Three examples of system ownership across data, financial logic and operating continuity.
01IFRS 9 INFRASTRUCTURE
Analytical Infrastructure from Scratch
Designed analytical infrastructure spanning 70+ data types from the ground up for IFRS 9. Defined source, column and mathematical logic for technical teams.
Built an accounting engine that automates provision entries by customer, product class and pool as a software product.
Source→Logic→Entry
02MODEL GOVERNANCE
Data Validation & Model Governance
Lead calibration of PD, LGD and EAD risk models and established periodic system and data checks.
Act as Product Owner for system updates, prioritizing stakeholder requests and managing the backlog. Secretary of the Provisions Committee, reporting dashboards to the CEO / General Manager.
Validate→Prioritize→Govern
03CONTROL AUTOMATION
Automation & Business Continuity
Automated manual Excel financial reporting end to end on a web platform. Wrote SQL, Python and VBA macros for income rediscounting and commission reporting.
Designed SOPs and workflows that make business continuity permanent, not person-dependent. Built and mentored teams from scratch.
Standardize→Automate→Scale
One career path
Audit insight.
Product ownership.
2023Present
Vakıf Katılım Bank
IFRS 9 Manager
- Own provisioning requirements, accounting and collateral data validation, PD / LGD / EAD calibration and the accounting engine roadmap.
- Lead backlog prioritization, UAT, go-live coordination and C-level reporting through the Provisions Committee.
20222023
Vakıf Katılım Bank
Product Accounting Systems Manager
- Led regulatory system fixes across lending, cards, leasing, tax, commissions, collateral and suspense accounts.
- Owned BRD / FRD, product backlog, sprint planning, functional testing, UAT and go-live.
20182022
Vakıf Katılım Bank
Financial Control Manager
- Designed financial logic for IRR, accruals, rediscounting, collections, commissions, credit cards and leasing.
- Automated reporting and connected NPL, IFRS 9 and loan-classification data into permanent system controls.
20132018
Aktifbank
Auditor
- Delivered full-scope audits across corporate risk, internal controls and banking processes in line with IIA standards.
- Led confidential investigations and converted findings into electronic approvals, measurable recoveries and stronger procedures.
System evidence
Trace the error.
Change the system.
Each result links a financial variance to its data, product rule or process failure—then closes it with a permanent technology change.
76audits13confidential investigations
$3M
Duplicate loan accrual
Detected a systemic loan-analysis error and prevented a misstated balance sheet plus $45K in unnecessary tax and BSMV / KKDF.
$2M
FX leasing mismatch
Found the vendor / loan reconciliation break and redesigned the leasing system flow with the Deputy General Manager and IT.
₺21M
Commission recovery
Traced collection infrastructure errors, rewrote commission product logic and automated the process end to end.
₺14M
Customer overcharge prevented
Caught a credit-card integration task error, contained it manually, then delivered a permanent bug fix to avoid BRSA penalties and complaints.
UAT
Customer class migration fixed
Converted root-cause analysis into User Stories and Acceptance Criteria with developers for a permanent production fix.
76 / 13
Audit and investigation governance
Financial fraud and procurement irregularity cases led to electronic approval mechanisms, $2M in advertising-spend recovery and $1.5M E-Kent reconciliation.
Istanbul · Available globally
Build financial systems
that perform in production.
Open to senior Product Owner, Product Lead, Financial Systems and Lending Technology leadership opportunities.