About this role

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.

Business Analyst, Card Payment Systems

Key skills