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Managing Director and Board Member
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Board Member
The executive management of TEB Sh.A. consists of:
Managing Director and Board Member
Born in Bursa, Turkey in 1984, Cihan Yilmaz graduated from the Faculty of Economics at Osmangazi University in Eskişehir, Turkey. He began his banking career at Yapi Kredi, while he was part of Deniz Bank before joining TEB A.S. in 2011 as a commercial portfolio manager. In 2015, he was appointed Regional Manager of TEB A.S., where he also held the position of Branch Manager. He joined TEB Sh.A. in Kosovo in May 2024, initially as SME Department Manager, then Coordinator and since October 2025, he has been appointed Deputy Managing Director. With 18 years of experience in the banking sector, Mr. Yilmaz has strategic professional experience in management, sales and portfolio leadership.
Deputy Managing Director
Born in Prishtina, Kosovo in 1981, Dukagjin Shylemaja graduated from the Faculty of Economics of Prishtina University and finished his Master studies on Banking and Finance at the University of Ljubljana. He started his professional career at Pro Credit Bank Kosovo (formerly Micro Enterprise Bank – MEB) in 2000. He served as international payment officer, senior documentary business and banking guarantees officer, treasury and payment manager, branch manager and division manager of banking operations and payment systems until 2007. Mr. Shylemaja joined TEB Sh.A. in 2007 and was appointed Deputy Managing Director.
Chief Risk Officer
Born in Adapazari, Turkey on 1964, Umur Apaydin graduated from Economics Faculty at Middle East Technical University Ankara. He started his banking career as with TEB A.S., Istanbul in 1994, as internal auditor and worked as a director at Risk Management Division between 2003- 2018. In 2019 he joined to TEB SHA Kosovo, with the position of Chief Risk Officer.
Chief Financial Officer
Born in Tetovo, North Macedonia in 1978. Rezak Fetai graduated from the Faculty of Economics, Ss. Cyril and Methodius University of Skopje. He earned his Master of Science degree in Professional Accountancy in University of London (under the Academic leadership of University College London’s (UCL) School of Management). He is a member of ACCA (the Association of Chartered Certified Accountants). He started his banking career as loan officer in ProCredit Bank Kosovo in 2002 and later on served in various management positions in ProCredit Group: in Kosovo (Senior Manager, part of the extended Management Board covering Finance Area, Treasury and AML), Germany, North Macedonia and Bosnia and Herzegovina. Mr.Fetai joined TEB SH.A in October 2018 and was appointed as a CFO and a member of the Executive Board. He is responsible for the Finance Area, Strategic Planning and Development, Data Management & Data Protection.
Deputy Managing Director - Card and POS Business
Born in Prishtina, Kosova in 1983 with over 19 years of extensive experience in the banking sector, Yll Gashi has established himself as an expert in the payment industry, focusing on card issuing business, card acquiring business and sales and marketing. Recognized for his strategic approach, Yll has led numerous initiatives in collaboration with international payment systems, aimed at fostering innovative solutions and business growth. Prior to TEB, Yll gained invaluable experience in retail portfolio management as a Relationship Manager at ProCredit Bank. Since 2008, Yll has been a vital member of TEB and BNP Paribas Joint Venture. His career progression within TEB includes key positions such as Deputy Head of SME Sales and Marketing, showcasing his expertise in product development and customer-centric solutions. In his role as Head of Cards and POS Business, he has been responsible for the development and management of card payment systems. His leadership in establishing and maintaining strategic partnerships has been instrumental in positioning the institution at the forefront of the financial services market. While also serving as Business Compliance Coordinator, he is ensuring alignment with regulatory framework, including KYC, AML and ABC protocols, and fostering a secure and compliant financial environment. Yll holds dual MBA degree in General Management from the University of York in UK and Universite de Strasbourg in France.