Business Analyst (Card Payment Systems)

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