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 (Backend / Platform)

Overview
Who We Are — Mastercard
Mastercard is a global technology company in the payments industry, operating in over 210+ countries and territories. Our mission is to power an inclusive, sustainable, digital economy that benefits everyone, everywhere — by making transactions safe, simple, smart, and accessible.
We harness secure data, world‑class networks, deep partnerships, and relentless innovation to help individuals, financial institutions, businesses, and governments reach their greatest potential.
Our culture is guided by our Decency Quotient (DQ) — a core value that influences every decision we make and how we treat all who rely on us.

About AI & Decision Product Enablement (AI&DPE)
AI & Decision Product Enablement (AI&DPE) is Mastercard’s innovation engine for AI‑driven decisioning at global scale.
We build and enhance the platforms that power real‑time intelligence across Mastercard’s network — enabling:

• Millisecond‑latency decisioning
• Resilient, highly available global services
• Hundreds of AI models
• Hundreds of thousands of business rules
• 0 50+ market‑facing products across Mastercard Services

Products that protect revenue, mitigate fraud, and empower customers worldwide
AI&DPE teams ensure Mastercard delivers industry‑leading agility, intelligence, resiliency, and scalability in every product we build.

Role:
Build, enhance, and run production-grade services by taking solution blueprints from Product Engineering teams and owning end-to-end delivery—from design refinement and implementation through release, monitoring, and operational excellence.

What you’ll do (Key responsibilities):
Deliver solutions by providing direct development of software.

• Work closely with technical leads for assigned projects to assist in design and implementation tasks
• Assist with production support issues by acting as a subject matter expert in resolving incidents and problem tickets.
• Plan, design and develop technical solutions and alternatives to meet business requirements in adherence with Mastercard standards, processes and best practices.
• Lead day to day system development and maintenance activities of the team to meet service level agreements (SLAs) and create solutions with high level of innovation, cost effectiveness, high quality and faster time to market.
• Accountable for full systems development life cycle including creating high quality requirements documents, use-cases, design and other technical artifacts including but not limited to detailed test strategy/test design, performance benchmarking, release rollout and deployment plans, contingency/back-out plans, feasibility study, cost and time analysis and detailed estimates.
• Participate in PoCs (Proof of Concept) and help the Department with selection of Vendor Solutions, Technologies, Methodologies and Frameworks.
• Conduct brownbag sessions on new and upcoming technologies, methodologies and application appropriate frameworks. Ensure knowledge transfer of vendor technology to Mastercard staff. Provide technical training to the other team members.
• Actively look for opportunities to enhance standards and improve process efficiency. Mentor and guide other team members during all phases of the SDLC. Ensure adequate test coverage in Unit Testing, Mutation Testing, System Testing/Integration Testing and Performance Testing. Perform Quality Inspections and Walkthroughs throughout the SDLC including Requirements Review, Design Review, Code Review and Security Review to ensure compliance with Mastercard standards.

Ways of working:

• Comfortable collaborating with product and architecture partners; can clarify ambiguity and deliver iteratively.
• Communicates clearly in design docs, PRs, and operational runbooks.
• Balances speed with reliability and quality; proactive about production health.

All About You

• Must be high-energy, detail-oriented, proactive and have the ability to function under pressure in an independent environment.
• Must provide the necessary skills to have a high degree of initiative and self-motivation to drive results.
• Possesses strong communication skills - both verbal and written – and strong relationship, collaborative skills and organizational skills.
• Willingness and ability to learn and take on challenging opportunities and to work as a member of matrix based diverse and geographically distributed project team.
• Good knowledge of Agile software development processes.
• Experience with the design and development of complex, multi-tier software solutions.
• Comfortable working in a Linux environment, using VI editor and general command line proficiency

Core technical requirements (must-have):
Creating and debugging J2EE REST Web Services and Web Applications

• Database experience including Oracle and SQL scripting
• Experience with Spring Framework (including Spring Boot) and Maven
• Experience writing unit tests with Junit and Mockito
• Experience with Git
• Experience with monitoring service performance

Desirable skills

• Experience working with containerised environments, such as Kubernetes/OpenShift/CloudFoundry
• Experience with integration frameworks such as Apache Camel/Spring Integration
• Strong testing discipline: unit/integration tests, contract tests, and production-safe rollout patterns (canary/blue-green).
• Production operations mindset: logging/metrics/tracing, alerting, incident response, and root-cause analysis.
• Experience with visual design tools (Visio, Confluence Gliffy, etc.)

Experience level (guidance):
Typically 5 – 8+ years in backend/software engineering with meaningful production ownership in distributed systems.

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.