Osman Karakütük was born in 1975 in Ankara. He graduated from Ankara University, Faculty of Political Sciences in 1998. He completed his master's degree at Sakarya University. Between 1998-1999, he worked as a Clerk in the Banking General Directorate of the Central Bank of the Republic of Turkey. Starting his career as Assistant Inspector at Ziraat Bank in 1999, Karakütük served as Inspector, Chief Inspector, Vice Chairman of the Board of Inspectors, Branch Manager, İzmir 1st Region Manager, Branch Operations Department Head, and Channel Management Department Head, respectively. On 23.08.2017, He appointed as Deputy General Manager of Treasury Management and International Banking of Ziraat Katılım Bankası A.Ş.