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.

Responsibilities

Managing processes across all card types (Bireysel, Ticari, Ek/Sanal/Dijital) and collaborating with stakeholders across Product, Technology, Risk, and Operations; 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

Requirements

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

Nice to have

Professional working proficiency in English; 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