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

What is the Services organization?

The Services team is a key differentiator for Mastercard, delivering cutting-edge solutions that help our customers grow. Focused on thinking big and scaling rapidly across the globe, this team is responsible for end-to-end solutions for a diverse, global customer base. We combine traditional management consulting with rich data assets and in-house technology to provide clients with powerful insights and tools that drive fact-based decision-making. Centered on data-driven technologies and innovation, our services include consulting, loyalty and marketing programs, business experimentation, and data-informed information and risk management. While specializing in the payments industry, Mastercard Services also partners closely with major retailers, airlines, and other enterprises, leveraging insights drawn from both within and beyond our network.

We are seeking passionate and talented technologists who share our vision of empowering customers to make smarter, data-driven decisions. Join us and help shape the future growth of our team.

Who is Mastercard?

Mastercard is the global technology company behind the world’s fastest payments processing network. We are a vehicle for commerce, a connection to financial systems for the previously excluded, and a technology innovation lab. We ensure every employee has the opportunity to be a part of something bigger and to change lives. We believe as our company grows, so should you.

Position Responsibilities:

As a part of Mastercard Services, you will build innovative products that help businesses around the world unlock more value from their data. As a Senior Software Engineer within BE&O, you will contribute to full-stack, data-intensive, analytics-driven applications that support sophisticated business experimentation and decision-making for some of the world’s largest organizations. You will:

Lead team level system design, including high level design, detailed design, API contracts, data flows, service interactions, integration patterns, and nonfunctional requirements such as scalability, reliability, performance, security, and operability.
Partner with lead engineers and architects to align team level implementations with broader platform architecture, modernization goals, engineering standards, and long term maintainability.
Develop and optimize data intensive applications and analytics capabilities using Databricks, Spark, and related technologies to process and deliver data at scale.
Develop, and deploy AI-powered products, intelligent agents, and agentic workflows utilizing Large Language Models (LLMs), retrieval systems, orchestration frameworks, tool-calling patterns, and context-aware workflows.
Implement advanced agentic systems incorporating planning, reasoning loops, memory management, grounding, evaluation frameworks, safety mechanisms, and human-in-the-loop controls.
Identify and resolve performance bottlenecks across services, APIs, data processing workloads, and user experiences.
Collaborate with cross-functional teams to translate business requirements into scalable technical solutions.
Mentor junior and midlevel engineers through technical guidance, pairing, code reviews, design feedback, documentation, and knowledge sharing.
Contribute to a collaborative engineering culture by modeling ownership, clear communication, continuous learning, pragmatic decision making, and high standards for software quality.
Improve engineering quality through code reviews, design reviews, automated testing, secure coding practices, observability, performance tuning, CI/CD practices, and production readiness.
Troubleshoot complex issues across application, service, API, data, and cloud layers, driving root cause analysis and implementing durable solutions that improve platform reliability and supportability.
Ideal qualifications include:

6+ years of software engineering experience delivering scalable, high performance, and reliable software in an agile environment.
Strong hands on experience designing and building distributed systems, microservices, RESTful APIs, and cloud native applications.
Strong programming experience with modern engineering stacks such as Java/Spring Boot, TypeScript/React, SQL, and related frameworks and technologies.
Experience with Python, Databricks, Spark, or PySpark is highly desirable, particularly for working with data pipelines and analytics driven applications.
Experience building or supporting cloud native applications on AWS and/or Azure, with familiarity in CI/CD, containerization, Kubernetes, observability, automated testing, and production support practices.
Demonstrated ability to lead team level design discussions, evaluate technical tradeoffs, and guide implementation through technical influence.
Ability to translate product and business needs into scalable, secure, and maintainable technical solutions.
Strong collaboration and communication skills, with the ability to work effectively across cross-functional teams.
Strong problem solving skills with the ability to work through ambiguity, make sound technical decisions, and drive results through hands on execution.
Bachelor’s degree in Computer Science, Software Engineering, or a related technical field, or equivalent practical experience; an advanced degree is a plus.
Mastercard is an equal opportunity employer that values diversity and inclusion. Applicants will be considered and treated without regard to gender, gender identity, race, color, ethnicity, national origin, religion, sexual orientation, veteran or disabled status, or any other characteristic protected by applicable law.

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.