MastercardSenior Software Engineer
Mastercard is hiring a Senior Software Engineer. Level rates it ; you can apply on Mastercard.
Level's read on this job
- Level rates this software engineer role Little AI ●○○○: aI is not part of the work.
- Tools and skills the posting cites include Microservices, Cloud and AI agents.
- Level classifies it as a senior role.
- Level lists 1,000+ other open roles at Mastercard.
AI in this role
Design and develop scalable cloud-ready applications and distributed systems for large-scale payment platforms.
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 EngineerOverviewJoin a team focused on transforming how Mastercard's payment systems are built, scaled, and operated. As a Senior Software Engineer, you will lead the design and development of cloud-ready applications, microservices, and distributed systems that support large-scale payment processing platforms while helping advance modernization, automation, and engineering excellence across the organization.
In this role, you will contribute to software architecture decisions, drive technical design discussions, and partner with engineers to deliver scalable, resilient, and maintainable software solutions. You'll have the opportunity to solve complex technical challenges, mentor other engineers, and influence how software is designed, developed, tested, and supported across critical technology platforms.
What You Will Do
•Design software solutions and contribute to software architecture decisions that support scalability, maintainability, and operational excellence.
•Translate complex product requirements into technical designs and implementation plans.
•Lead development of modular, extensible, high-performance applications.
•Design and implement comprehensive unit, functional, and integration testing strategies.
•Analyze, optimize, and improve application performance, scalability, and reliability.
•Apply secure coding practices and promote application security best practices.
•Lead and participate in code reviews, ensuring adherence to engineering standards.
•Design systems with observability, operability, and supportability as core principles.
•Research emerging frameworks and technologies and recommend adoption where appropriate.
•Mentor junior developers and support onboarding activities.
•Troubleshoot and resolve complex production issues using root cause analysis techniques.
•Support engineering excellence through continuous improvement, refactoring, and adherence to SOLID principles.
All About You
•Strong hands-on experience with Java, Spring Boot, Kafka, REST APIs, JPA, and distributed systems.
•Strong understanding of software design and software architecture principles.
•Experience building highly scalable and resilient systems.
•Experience implementing automated testing strategies and quality engineering practices.
•Strong knowledge of performance engineering and production optimization.
•Strong understanding of secure software development principles.
•Experience leading code reviews and mentoring engineers.
•Strong troubleshooting and analytical problem-solving skills.
•Experience with microservices, cloud-native applications, and CI/CD.
•Experience building AI-assisted applications, autonomous agents, or agentic workflows.
•Agile Scrum experience.Mastercard 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.
Prepare for this job
Built from this posting and from similar jobs on Level.
Skills and AI tools this role asks for
Also common in software engineer jobs at this level
Pay
- Typical software engineer job
- $168k
This posting doesn't list pay. Use the typical software engineer figure when pay comes up. See software engineer jobs
Questions you could be asked
- How do you decide when an AI agent can act on its own versus asking for approval first?
- Tell me about a project where software architecture was part of your work. What did you do?
- Tell me about a project where java 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 code review was part of your work. What did you do?
Adapt your resume
- List these exact terms on your resume: AI agents, Software Architecture, Java, Distributed Systems, and Code Review. 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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