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Ozlem Ernart's work experience includes being the Head Of Risk Management at Garanti Bank since July 2018. Prior to that, they held the position of Senior Vice President, Risk Planning, Monitoring and Reporting at Garanti Bank from December 2015 to July 2018. Ozlem also worked as the Credit and Subsidiaries Risk Manager at Garanti Bank from December 2001 to December 2015. Before joining Garanti Bank, they were an Assistant Vice President at Osmanlı Bankası from January 2000 to December 2001. Their early work experience includes being a Fixed Income Analyst at Thomson Reuters from February 1996 to February 1999.

Ozlem Ernart obtained their Bachelor of Science degree in Economics from Marmara University in the years 1988 to 1992. Ozlem then went on to earn their Master of Business Administration (MBA) in Finance from CUNY Baruch College in the years 1994 to 1996. In 2014, they obtained a certification in Social Psychology from Coursera. Their high school education was completed at Kocaeli Anadolu Lisesi from 1982 to 1988.