Senior Software Engineer

Our Purpose
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we're helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.
Title and Summary
Senior Software Engineer
Overview
The Realtime Payments (RTP) program enables instant, account-to-account payments, supporting secure, low-latency, and highly available payment services across multiple markets. RTP platforms operate as mission-critical financial infrastructure, requiring strong engineering discipline, reliability, and compliance with Mastercard standards.
Senior Software Engineers in RTP play a critical role in designing, building, and operating high-quality software, delivering features and services that meet functional and non-functional requirements while operating reliably in production environments.
Role
As a Senior Software Engineer, you will be responsible for designing, developing, testing, and supporting software components within an RTP product or platform capability.
This role is suited for an experienced engineer who:
Independently delivers complex features with minimal supervision
Applies established architectural patterns and engineering standards
Takes ownership of code quality, reliability, and operational readiness
Collaborates actively with peers, Product, QA, and Operations partners
You are expected to contribute strong technical judgment, maintain a production-first mindset, and act as a reliable senior member of the engineering team.
Key Responsibilities
1. Software Design & Development
Design and implement software components and services based on defined requirements and architectures.
Apply approved patterns (e.g., microservices, event-driven messaging, REST APIs) consistently.
Translate functional and non-functional requirements into working, maintainable code.
Contribute to technical design discussions and document implementation decisions as needed.
Deliver end-to-end features including development, testing, deployment, and documentation.
2. Code Quality & Engineering Practices
Write clean, efficient, and testable code aligned with Mastercard engineering standards.
Develop and maintain automated unit, integration, and component tests.
Participate actively in code reviews-both receiving and providing feedback.
Identify and resolve defects, performance issues, and reliability concerns.
Follow secure coding practices and compliance requirements.
3. Operational & Production Readiness
Build software with operational concerns in mind, including observability and failure handling.
Add and maintain appropriate logging, metrics, and alerts for owned components.
Participate in production readiness checks and deployment activities.
Support on-call rotations and assist in incident investigation and resolution when required.
Contribute to root cause analysis and remediation actions following production issues.
4. Collaboration & Team Contribution
Work closely with Product Managers to clarify requirements and delivery expectations.
Collaborate with QA and DevOps partners to ensure quality and smooth releases.
Support junior engineers through code reviews and knowledge sharing.
Communicate progress, risks, and technical considerations clearly within the team.
5. Continuous Improvement
Contribute to incremental improvements in performance, reliability, and maintainability.
Identify and help reduce technical debt in owned areas.
Continuously build knowledge of RTP platforms, domain concepts, and Mastercard technologies.
Adopt and reinforce Mastercard's SDLC, security, and engineering best practices.
All About You
Experience & Technical Expertise
Typically 5-8 years of professional software engineering experience.
Strong hands-on experience developing enterprise backend systems.
Solid understanding of distributed systems fundamentals.
Ability to independently design and deliver non-trivial software features.
Experience working in production environments with uptime and reliability expectations.
Technology Background
Strong experience with Java/Spring or comparable backend technologies.
Experience with APIs, messaging systems, and data persistence.
Familiarity with CI/CD pipelines, automated testing, and version control systems.
Exposure to cloud or containerized environments is preferred.
Payments or regulated-systems experience is a plus, but not mandatory.
Ways of Working
Takes ownership of assigned work and follows through to completion.
Comfortable working in an agile, fast-paced delivery environment.
Communicates effectively with engineers and non-engineering stakeholders.
Demonstrates the Mastercard Way values: ownership, customer focus, collaboration, and thoughtful risk-taking.
Eager to learn, improve, and take on progressively complex challenges.
Corporate Security Responsibility
All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard's security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard's guidelines.