Having an experience of 19 years in the banking industry, Kaya graduated from the Civil Engineering Department of the Engineering Faculty of Yıldız Technical University. Completing his MBA study in the United States during 1991-1994, Kaya started his career at Garanti Bankası in 1995. He played a key role in the establishment of one of the first personal loans scoring systems in Turkey. During the time he worked at Garanti Bankası, Kaya designed credit automation systems for consumer loans, credit cards and small enterprise loan applications. He started to work as consultant at Experian in 2004. Kaya took charge as consultant and in the projects involving automation of credit cards in almost all banks. He created the good/bad definition at the customer level used in the scorecard infrastructure of KKB.

He took office as Director of Personal Loans Allocation Department at TEB during 2005-2009. During that period, he pioneered the modernization of the personal loans approval platform of the bank in accordance with the conditions of the day. Starting to work as Head of Personal Loans Monitoring and Collection Department at Akbank in 2009, Kaya took part in the Board of Directors of Kredi Kayıt Bürosu. He was appointed as Head of Personal Loans Allocation Department at the same organization in January 2012. Kaya has been working as Vice General Manager in charge of Strategic Planning and Corporate Relations at KKB since May 2012.