Istanbul, Turkey
Berk Üstünel
Expert Business Analyst
For over 8 years I have been building products on software development projects as a business analyst in banking and fintech. I am into healthy living, outdoor sports and fitness, and in my personal time I read and write extensively on technology, investing, global markets and geopolitics.
About
I graduated in Management Information Systems from Özyeğin University and studied Web Design and Coding at Anadolu University. I began my career at Fibabanka and have continued as a Business Analyst across various projects at Moka United, Odeabank, and now Innovance. I've worked on numerous projects spanning payment systems, digital banking, core banking, open banking, and mobile app integrations. Outside of work, I enjoy outdoor sports and fitness, while also following technology, investing, global markets and geopolitics — occasionally writing about what I learn.
Skills
CV
Innovance Consultancy
Expert Business Analyst
Jul 2026 — Present
Consultant & Sr. Business Analyst
Jun 2022 — Jun 2026
- Played an active role in the Akbank AG Core Banking Transformation programme, migrating the customer and deposit domains of the retail and private banking segments from Flexcube to the Mambu/Core+ core banking system, including the data migration (2025-...)
- Yapı Kredi Cash Management Micro-Service Conversion: led requirement analysis and development work with business units under SDLC and agile principles (2023-2025)
- Akbank Juzdan App: mobile app development and integrations (Physical POS Credit, BNPL, loans, QR payments, Starbucks & Istanbulkart integrations) (2022-2023)
- Moka United SoftPOS and Open-banking (Anadolubank, Odeabank) projects: scope definition, testing and documentation support
Odeabank
Senior Business Analyst
Feb 2022 — Jun 2022
- Identified requirements together with business units; managed scope, analysis, testing and UAT processes
- Coordinated development and certification processes between the bank, third parties, business partners, BKM (Interbank Card Center) and member merchants
Moka United
Business & Product Analyst Asst. Manager
Aug 2021 — Jan 2022
Business Analyst
Aug 2020 — Aug 2021
- Actively contributed to payment systems software development projects across issuing and acquiring: payment gateway, digital wallet and prepaid card processing infrastructure
- Requirement analysis, functional/technical analysis, UI and technical design, test scenarios, manual/functional/regression and API testing, UAT and production & support
- Managed and coordinated development projects between public institutions, solution partners, clients and vendors; led the development team
Fibabanka
IT Management Trainee – Jr. Business Analyst
Oct 2018 — Jun 2020
- Took an active role in numerous debit card, credit card, ATM and POS projects within the Card Payment Systems Development Team, across the issuing and acquiring domains
- Actively led the team during the Covid-19 pandemic, managing prioritisation and taking ownership of the domain
Education
Özyeğin University
Management Information Systems (BSc)
2012 — 2018
Prague University of Economics and Business
Erasmus Exchange Programme
2016 — 2016
Anadolu University
Web Design and Coding
2018 — 2020
Certificates
Claude Certified Associate — Foundations
Anthropic
IIBA® CBAP® International Business Analyst Training
IIBA® · BA-Works
ISTQB® Certified Tester Foundation Level (CTFL)
ISTQB® · Turkish Testing Board
Agents and Workflows
OpenAI Academy
Professional Scrum Master I (PSM I)
Scrum.org
McKinsey.org Forward Program
McKinsey.org
Google UX Design Specialization
Google · Coursera
Featured Projects
Akbank AG Core Banking Transformation
Innovance Consultancy · Mar 2025 — Present
Serving as business analyst on the migration of Akbank Germany's retail and private banking customer and deposit domains from Flexcube to the Mambu/Core+ core banking system — end-to-end responsibility from process design to data migration strategy.
Yapı Kredi Cash Management Microservice Conversion
Innovance Consultancy · Oct 2023 — Mar 2025
Led requirement analysis with business units and drove development under SDLC and agile principles during Yapı Kredi's cash management platform migration from a monolithic architecture to microservices.
Akbank Juzdan App
Innovance Consultancy · Jun 2022 — Sep 2023
Business analyst on Akbank's mobile wallet app Juzdan, contributing to Physical POS Credit, BNPL, loan and QR payment flows as well as third-party integrations including Starbucks and Istanbulkart.
Moka United SoftPOS
Innovance Consultancy · Jan 2023 — Jan 2024
Supported the SoftPOS product's scope definition, testing and documentation as business analyst — reviewing mobile/tablet screen designs, executing API/UI tests and supporting the UAT process.
Blog
All posts →
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What is Finternet?
A Vision for the Future Financial System Photo by NASA on Unsplash In April 2024, the Bank for International Settlements (BIS) published an insightful article…