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

Software Engineer II

Overview
The Virtual Card Management (VCM) team is part of the Commercial Transaction Management & Controls (CTMC) program within Mastercard's Commercial & New Payment Flows (CNPF) organization — making payments smarter and businesses stronger by providing faster, more secure, and more efficient commercial payment experiences globally.
VCM is responsible for the end-to-end lifecycle of virtual and real card management, including authorization & clearing, spend controls, gateway & token management, event notifications, and multi-scheme virtual card capabilities. Our platform powers key products such as InControl (ICCP), Business Payment Controls (BPC, and Commercial Connect API — serving issuers, corporates, fintechs, and travel intermediaries worldwide.
We are looking for a Software Engineer II to join our engineering team and contribute to the design, development, and maintenance of our commercial payment platforms. The ideal candidate is a motivated engineer with solid foundational skills who is eager to grow, solve meaningful problems, and deliver high-quality software in a collaborative, fast-paced environment.

Role
We demonstrate 'Mastercard Way' cultural values every day — own it, simplify it, sense of urgency, thoughtful risk-taking, unlock potential, and be inclusive — with a relentless focus on our customers. As a Software Engineer II on the VCM team, you will:

Execute defined components of technology or product projects by translating functional requirements into technical solutions, ensuring alignment with project objectives and organizational standards.
Implement routine enhancements and minor modifications to existing systems, applying established procedures and best practices to improve functionality, security, or performance.
Troubleshoot and resolve identifiable, routine issues by analyzing logs, reproducing problems, and applying documented solutions, including security patches and configuration adjustments.
Support system maintenance activities such as applying updates, patches, and configuration changes, ensuring minimal disruption and adherence to change management processes.
Provide technical input during project planning and reviews by contributing insights on system design, technical feasibility, and potential risks, supporting the development of high-quality requirements documents and technical artifacts.
Assist in documenting technical procedures, best practices, and standards to promote consistency, knowledge sharing, and process improvement within the team.
Collaborate with team members and stakeholders to review project deliverables, ensuring they meet quality standards, technical specifications, and organizational requirements.
Utilize experience and a comprehensive understanding of area processes and tools to make minor adjustments or enhancements to resolve identifiable issues. May manage smaller projects/initiatives as an experienced individual contributor with specialized knowledge within Software Engineering.

All About You
Education
Bachelor's degree in Computer Science, Software Engineering, or equivalent.

Technical Qualifications
Intermediate proficiency in software development — writing clean, maintainable code and translating functional requirements into working technical solutions (Java, Microservice, Spring, SpringBoot and SQL).
Practical knowledge of Software Development Life Cycle (SDLC) models (e.g., Scrum, Kanban, SAFe) and the ability to participate effectively in agile delivery processes.
Experience with testing practices — designing and executing unit, integration, and functional tests as an integral part of development.
Ability to troubleshoot and resolve routine issues through log analysis, problem reproduction, and application of documented solutions and security patches
Familiarity with DevOps and CI/CD toolchains — understanding continuous integration, delivery, and deployment practices to support software flow and quality.
Exposure to cloud platforms and application design patterns for cloud-based environments.
Understanding of secure coding standards and the ability to apply basic security best practices in day-to-day development.

Professional Skills
Business Acumen — ability to understand internal business operations and how technical work connects to customer and business outcomes.
Strong collaboration and communication skills — works effectively with team members and cross-functional stakeholders to deliver quality outcomes
Proactive approach to documentation, knowledge sharing, and process improvement
Eagerness to learn, adapt to new technologies, and grow within the Software Engineering discipline

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.