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.

Who is Mastercard? Mastercard is a global technology company in the payments sector. We power payments and provide products and services for individuals and industries all around the world. Our people, technology, data, and brand provide the capabilities that drive our success. We believe in connecting people to priceless possibilities. As a company, we know that our success is driven by the skills, experience, integrity, and mindset of the talent we hire. By building an inclusive, world-class culture, our employees have once-in-a-career opportunities to be a part of teams that have a greater impact on our community and our world. We invite you to join our team to find out how you too can start something priceless.

Overview In addition to our traditional payments’ portfolio, Mastercard is aggressively expanding into new payment flow and leveraging the digital and connected world of people and economies to deliver faster, reliable, and more efficient propositions to make payments – send or receive money. The Cross Border program is part of the wider Disbursement & Remittances business that we are looking to expand at a compounded rate of 50% per year for the next 5 years. We are building solutions to enable payments in an any-to-any format – anyone, anywhere can send or receive money using any channel – money exchanges, banks, digital wallets, cards or fintech apps – providing a seamless and unified experience for both individuals and business to move money. We are looking for a passionate, innovative and experienced engineers with a proven track record in leading the evolution of software products and their implementation in various markets – comfortable both working hands‑on as well as guiding and mentoring a team of engineers and critically always challenging the status quo and pushing and driving the technology roadmap to ensure that the solutions leverage technology to the maximum extent.

• Responsible for the analysis, design, development, and delivery of software solutions
• Defines requirements for new applications and customizations, adhering to standards, processes, and best practices
• Participate in team prioritization discussions with Product/Business stakeholders
• Estimate and own delivery tasks (design, dev, test, deployment, configuration, documentation) to meet the business requirements
• Automate build, operate, and run aspects of software
• Drive code/design/process trade‑off discussions within their team when required
• Report status and manage risks within their primary application/service
• Drive integration of services focusing on customer journey and experience
• Perform demos/acceptance discussions in interacting with Product owners
• Understands operational and engineering experience and actively works to improve experience and metrics in the ownership area
• Develop a complete understanding of end-to-end technical architecture and dependency systems
• Drive adoption of technology standards and opinionated frameworks, and review coding, test, and automation work of team members
• Mentor and guide new and less‑experienced team members
• Identify opportunities to improve an overall process and trim waste
• Share and seek knowledge within their Guild/Program to drive reuse and productivity

• 5+ years of experience in software engineering, preferably within the payments, financial services, or highly regulated industries.
• Strong hands‑on experience developing scalable, secure, and maintainable applications using Java, Spring Framework, Spring Boot, JPA, Angular, and SQL databases.
• Solid understanding of secure software development practices, including familiarity with industry standards such as OWASP, CWE, and SEI CERT, as well as vulnerability management and remediation.
• Knowledge of core engineering principles required to build and support mission‑critical applications, including security, reliability, performance, observability, customer experience, and service-oriented architectures.
• Proven ability to troubleshoot and resolve complex application issues through debugging, root cause analysis, and performance tuning, including analysis of thread, heap, and memory dumps.
• Experience leveraging AI‑assisted development too