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