Business Analyst - Issuing

Description

**About the Position** We are seeking a **Business Analyst with experience in card issuing (Issuing)** to join strategic projects within the payment ecosystem. The role has a strong functional orientation and will act as a liaison between business, operations, risk, product, and technology, participating in critical processes related to the card and customer account lifecycle. **Important:** It is mandatory to currently reside in Spain. The work arrangement is hybrid, with some days of on-site presence in Madrid. **Responsibilities** * Analyze and define functional processes related to **credit and/or debit card issuance and management**. * Participate in projects related to the **card and account lifecycle**, from issuance through renewal, blocking, replacement, and cancellation. * Analyze and define **authorization, clearing, settlement, and reconciliation** flows from the issuer’s perspective. * Participate in defining and configuring card products, limits, rules, and functional parameters. * Collaborate with business, product, operations, risk, fraud, and technology teams. * Manage and analyze incidents related to transactional processing and issuing operations. * Interact with **issuers, processors/issuer processors, and card schemes** such as Visa and Mastercard. * Participate in projects for evolving issuing and card processing platforms. * Identify opportunities for improvement in processes, products, and customer experience. **Requirements** * More than 4 years of experience as a **Business Analyst or similar functional role**. * Proven experience in **card issuing (Issuing)**. * Knowledge of the credit and/or debit card lifecycle. * Experience working with **issuers, card processors, or issuer processors**. * Functional knowledge of **authorization, clearing, settlement, and reconciliation** from the issuer’s perspective. * Experience with card products, configuration of parameters, limits, and business rules. * Knowledge of card schemes such as **Visa and/or Mastercard**. * Strong analytical capability and end\-to\-end vision of the card issuing and processing process. * Fluent Spanish. * B2 English is desirable. **We Offer** * Participation in strategic projects within the core payment domain. * Exposure to critical processes in the card issuing ecosystem. * A collaborative and cross-functional environment. * High specialization in a rapidly growing sector. * Real impact on business, product, customer experience, and operational optimization. * Hybrid work model from Spain. Salary: €30,000.00\-€42,000.00 per year Application Questions: * Tell us about your experience in card issuing (Issuing). Which companies or projects have you worked on, and what were your main responsibilities within the card issuance and processing lifecycle? * Describe a project you participated in related to card issuance or lifecycle management. What types of cards or products were involved, and what was your specific role as a Business Analyst? * Explain your experience with transaction processing from the issuer’s perspective. What knowledge do you have of authorization, clearing, settlement, and reconciliation processes, and in which have you directly participated? * Have you worked with issuers, issuer processors, or card schemes such as Visa or Mastercard? Specify which ones and briefly describe the type of interaction, project, or responsibility you held. * Mention a complex incident related to card issuance or processing that you managed. What was the problem, how did you analyze it, which teams were involved, and what solution was implemented? * Describe your experience working with card products and business rules. Have you participated in defining or configuring limits, card types, authorization rules, blocking, renewals, replacements, or other product parameters? * Describe your experience collaborating with business, product, operations, risk/fraud, and technology teams. What was your role as a Business Analyst, and how did you manage requirements across different areas? * Indicate your current location status. In which city in Spain do you currently reside, and what is your employment status (employed, freelance, available, notice period, etc.)? * Do you agree with the salary range stated in this job posting, or do you have another expectation? Work Location: Hybrid remote work in Madrid, Madrid province