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.

 

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

 

- 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

 

- 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