Business Analyst (Card Payment Systems)

Job description

At **Roofstacks**, we are driving the next generation of digital finance. We're on the lookout for a **Business Analyst** who brings deep knowledge in **card payment systems** and thrives in a cross-functional, high-impact role. If you’re experienced in **card lifecycle management**, **regulatory compliance**, and **end-to-end product delivery** across debit, credit, and prepaid cards—let’s talk. **💼 Key Responsibilities** You will play a critical role in managing processes across all card types—Bireysel, Ticari, Ek/Sanal/Dijital—and will work closely with stakeholders across Product, Technology, Risk, and Operations. Your key responsibilities include: (may vary depending on your team) - Managing **card application journeys** across all channels (Branch, IVR, Digital) - Integrations with **KKB/LKS**, Decision Support, Analytics Solutions and other decisioning tools - Oversight of **card lifecycle operations**: new issuance, renewal, closure, limits, fraud - Supporting **fee & commission configurations**, statement management, posting, rediscount - Handling **BIN/RANGE**, EMV scripting, PIN management, encryption/key management - Managing **POS onboarding**, device vendors, parameter distributions, RKL flows - Driving **interchange & clearing** processes (Visa Base II, Mastercard IPM, BKM YTH/BTH) - Working on **3DS 2.x**, ACS, GO authentication systems, API integrations, and open banking - Ensuring **regulatory compliance** (BDDK, PCI-DSS, KVKK) and adapting to scheme updates **🎯 What We’re Looking For** - Minimum **4 years of hands-on experience** in card payment systems - Bachelor’s degree in **Engineering** or related technical discipline - Experience with **banking/payment systems**, **POS** infrastructures, and **merchant onboarding** - Strong understanding of **ISO 8583**, EMV transaction flow, 3DS, tokenization, and fraud detection - Familiarity with **Visa, Mastercard, BKM**, and their operational and reporting structures - Strong analytical and documentation skills with a proactive, solution-oriented mindset - **Fluency in Turkish**; professional working proficiency in **English** is a strong plus **⭐ Nice-to-Have Skills** - EMV Scripting & PIN encryption knowledge - API testing, system integration & test coordination experience - Open banking, KVKK, GIB/IKS integration awareness - Previous experience in launching or migrating card products - Knowledge of settlement/accounting impacts of clearing processes