MastercardSenior Software Engineer
Mastercard is hiring a Senior Software Engineer. Level rates it ; you can apply on Mastercard.
Level's read on this job
- On Level's scale, this software engineer role is Little AI ●○○○: aI is not part of the work.
- Tools and skills the posting cites include Java, site reliability engineering and cloud native.
- Level classifies it as a senior role.
- Level lists 948 other open roles at Mastercard.
AI in this role
Design, build, and operate resilient cloud-native Java applications and microservices for real-time payment systems.
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 EngineerOverview:Mastercard Send (part of the Mastercard Move portfolio) enables near real-time money movement across billions of card, bank, and digital accounts globally. Program participants (banks, businesses, and digital players) use Send to modernize domestic and cross-border payments, making funds available to recipients almost instantly. Send supports critical use cases such as disbursements, gig-economy payouts, and person-to-person transfers, accelerating a structural shift toward payment immediacy where timely access to funds can be economically and socially transformative.
Send has achieved strong adoption across banks, fintechs, and digital ecosystems and represents a significant growth engine within Mastercard. The program is on track to generate over $900M in revenue in FY2026 and is expected to grow by 50% over the next three years. For engineering applicants, Send offers the opportunity to build and operate a large-scale, real-time distributed system where reliability, performance, and trust directly translate into measurable business outcomes and meaningful socio-economic impact.
About the Role
As a Java Site Reliability Engineer (SRE) within the Mastercard Send team, you will play a critical role in designing, building, and operating highly resilient payment platforms that power near real-time money movement across the globe. You will combine strong software engineering expertise with operational excellence practices to ensure the reliability, scalability, security, and performance of mission-critical payment systems.
Role Responsibilities
• Design, develop, deploy, and support cloud-native Java applications and microservices that power Mastercard Send solutions.
• Build scalable, resilient systems using distributed architecture and cloud-native design patterns.
• Develop and maintain secure, high-performing APIs and backend services.
• Drive production reliability through observability, monitoring, incident response, and continuous improvement.
• Implement and champion SRE practices, including SLIs, SLOs, Error Budgets, and production readiness reviews.
• Automate deployments, testing, monitoring, and operational processes to improve reliability and reduce manual effort.
• Partner with product, platform, infrastructure, and security teams to deliver secure, scalable solutions.
• Optimize application and platform performance to support high-volume, real-time transaction processing workloads.
• Mentor engineers and promote software engineering and operational excellence best practices.
All About You
• Deep hands-on experience building Java-based distributed systems, with strong knowledge of performance, scalability, and resiliency principles.
• Experience developing enterprise applications using Java, Spring Boot, microservices, and cloud-native technologies.
• Experience translating business requirements into technical designs, architecture decisions, and API specifications.
• Strong understanding of Agile, DevOps, CI/CD, and modern software delivery practices.
• Experience applying data structures, software design principles, code reviews, secure coding practices, and automated testing (unit, functional, and integration) to build reliable, maintainable solutions. [Senior SE Skills | Excel]
• Experience with production support, on-call operations, incident management, root cause analysis, and service ownership.
• Experience implementing observability and monitoring solutions using tools such as OpenTelemetry and Dynatrace.
• Experience with encryption, secrets management, API security, and enterprise data protection standards.
• Experience with performance tuning, capacity planning, resiliency testing, and support of high-volume transaction systems.
• Hands-on experience supporting containerized workloads on Kubernetes, PCF, AWS, or Azure.
• Experience working in payment processing, financial services, or other high-volume transaction environments is preferred.
Key Technical Skills
Languages & Frameworks
• Java, Spring Framework, Spring Boot, Spring Batch, Spring Cloud
Architecture & Integration
• Microservices, REST APIs, Event-Driven Architecture, Apache Kafka
• Object-Oriented Design, Design Patterns, Data Structures [Senior SE Skills | Excel]
Reliability & Security
• SRE, SLIs, SLOs, Error Budgets, Incident Response, Root Cause Analysis
• OAuth2, AES/RSA, TLS/PKI, Secure Coding (OWASP, PCI-DSS)
Cloud & Infrastructure
• Kubernetes, Docker, PCF, AWS, Azure
Data Technologies
• Oracle, PostgreSQL, Redis, MongoDB
DevOps & Observability
• Jenkins, GitHub, Maven, CI/CD
• OpenTelemetry, Dynatrace, Splunk, Prometheus, Grafana
Testing
• JUnit, Mockito, Karate
• Unit, Functional, and Integration TestingMastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact reasonable_accommodation@mastercard.com and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
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.
Pay Ranges
O'Fallon, Missouri: $115,000 - $184,000 USDHow we rate this
Senior Software Engineer at Mastercard rates 0 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.
Little AI. AI is not part of the work.
- ●●●● Builds AI80 to 100
- ●●●○ Works on AI60 to 79
- ●●○○ Uses AI40 to 59
- ●○○○ Little AI0 to 39
Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.
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- Typical software engineer job
- $167k
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Questions you could be asked
- Tell me about a project where site reliability engineering was part of your work. What did you do?
- Tell me about a project where cloud native was part of your work. What did you do?
- Tell me about a project where microservices was part of your work. What did you do?
- Tell me about a project where distributed systems was part of your work. What did you do?
- Tell me about a project where apis was part of your work. What did you do?
Adapt your resume
- List these exact terms on your resume: Site Reliability Engineering, Cloud Native, Microservices, Distributed Systems, and APIs. An applicant tracking system matches the wording, not the idea.
- Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.
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