Senior Software Engineer

Mastercard is hiring a Senior Software Engineer in Pune, India. Level rates it ; you can apply on Mastercard.

Level's read on this job

Little AI ●○○○ is how Level rates this software engineer role: aI is not part of the work.
The posting mentions software development and agile among its tools and skills.
Level classes it as a senior role.
Mastercard has 1,000+ other open roles on Level.

AI in this role

Build innovative payment-adjacent software solutions and products for small and medium businesses.

software-developmentagile

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

Overview
Mastercard strives to be the trusted network for empowering small businesses to grow and thrive through compelling products and solutions accessible from our B2B customers and partners. This segment is central to Mastercard's growth strategy - not only because of the impact Small & Medium Enterprises have on local, regional, and global economies but also because of their significant role in the payment ecosystem as buyers and sellers.

Mastercard is a trusted partner by millions of small and medium businesses, enabling them to accept payments globally. This organization's goal is to add value by further addressing other areas, including their daily activities, business growth, cash flow management, etc.

Small and Medium businesses are the lifeline of the economy providing employment to more than 60% of the overall population. They face various challenges in their day-to-day execution; Mastercard is a market leader in providing solutions for them to accept payments globally at scale.

Global SME Engineering's organizational goal is to build innovative solutions and products that enable Mastercard to provide competitive solutions to small and medium businesses, that complements the Payments ecosystem and experiences that are Payment adjacent. The goal is to create an ecosystem of products that Mastercard provide to the business owners that helps them focus on their core business.

We believe in lean teams delivering a lot of value, so you will be part of a lean team potentially driving impact for the product and platform buildout from scratch. We will be iterating quickly and doing frequent brainstorming sessions welcoming new ideas and diverse perspectives to conceptualize new features. One of the core values of our team is to learn from each other irrespective of your level.

Be part of Mastercard and embrace the "Mastercard Way" of - "Create Value, Grow Together and Move Fast" by doing the right thing, focused on "Decency, Inclusion, and Force for Good."

Role
As Senior Software Engineering for the SME Services, this person will contribute to the Engineering team to one of the below areas,
1) SME’s Business Essential Services required to run the business efficiently; the initial set of capabilities of focus are – 1) Cashflow Management 2) Open Banking integrations (retail/Wholesale) 3) Invoicing 4) Expense Management 5) SME’s Employee Experiences 6) Cyber risk solution integrations 7) Education/Training.
2) SME’s Value-Added Service like Loyalty solutions, Market insights etc. which will enhance a merchant’s ability to run their business focused on Growth.
Overview

• 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

Responsibilities

• Own complex problems having dependency across services and facilitate cross-functional team interactions to drive resolution
• Write code to build and enhance applications/services and promote code-reviews, code scanning, and other standard development practices to deliver high-quality artifacts to production.
• Define, design, and develop procedures and solutions at a service level to meet the business requirements/enhancements
• Drive prioritization decisions and trade-offs in working with product partners
• Identify opportunities and build roadmaps to enhance primary service/function
• Automate and simplify all aspects of software delivery and development actively evangelizing the need to automate and simplify where needed.
• Drive seamless integration across all connected services to meet end-user expectations
• Drive blameless postmortems culture to identify root causes of incidents and implement learnings
• Introduce new technologies and architecture by following enterprise guidelines
• Advocate for engineering principles outside of current organization/platform
• Provide development and architecture guidance to team members
• Build relationships and effective partnerships across organizations
• Write and evaluate recommendations for job promotions based on an unbiased view of one's accomplishments
• Conduct technical interviews for hiring engineering staff and raising the performance bar
• Lead by example with hands-on approaches to demonstrate engineering excellence
• Encourage staff to share and seek knowledge within their Guild/Program to drive reuse of patterns/libraries/practices and enhance productivity

Experiences

• Has the ability to write secure code in three or more languages (e.g., C, C+, C#, Java, JavaScript) and familiar with secure coding standards (e.g., OWASP, CWE, SEI CERT) and vulnerabilities
• Has skills in building applications using open frameworks to achieve reuse and reduce development times (e.g., Spring Boot, Steeltoe, Angular, DXP, others)
• Understands internals of operating systems (Windows, Linux) to write interoperable and performant code
• Able to perform debugging and troubleshooting to analyze core, heap, thread dumps and remove coding errors
• Has skills to document and coach team on the development practices and coding guidelines (e.g., branching, peer reviews, library use, logging, scanning rules, test-driven development, error handling)
• Understands use cases for advanced design patterns (e.g., service-to-worker, MVC, API gateway, intercepting filter, dependency injection, lazy loading, all from the gang of four) to implement efficient code
• Has skills to undertake a technical review of code across applications and their dependencies to look for anti-patterns and promote continuous refactoring
• Understands and elaborates technical debt and operational issues to drive prioritization discussions with stakeholders to improve the run experience
• Understands system architecture to plan for platform and infrastructure capacity (e.g., database, compute, network, storage) and drives the dependency prioritization to reduce the delivery lead time
• Has skills to understand customer journeys and ensure a Mastercard good experience by continuously reducing Mean time to mitigate (MTTM) for incidents and ensuring high availability (99.95% as a starting point)
• Has skills to simplify deployment and eliminate software and infrastructure snowflakes using standardized platforms, ephemeral instances, and automation
• Has skills to orchestrate release workflows and pipelines and apply standardized pipelines via APIs to achieve CI and CD using industry-standard tools (e.g., Jenkins, Bamboo, AWS/Azure pipelines, XL Release, others)
• Able to configure rules and build automation for code with vulnerability scanning and software composition analysis using standard tools (e.g., Sonar, Checkmarx, Nexus, JFrog XRay, Veracode, others)
• Has skills to define, organize, and report on test runs for major, minor, and hotfix releases (including unit, component level, system level, customer journeys, past customer issues, and regulatory controls)
• Has skills to conduct various performance tests (e.g., load, spike, breakpoint, endurance) to Understands application/service limits and behaviors

Education:
bachelor’s degree in information systems, Information Technology, Computer Science or Engineering or equivalent experience.

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.

How 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.

Classification

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.

Key facts

Senior Software Engineer is an open job at Mastercard.
Level rates this role AI Level 1 of 4: Little AI.
The role is based in Pune, India.
The job was posted on October 14, 2026.
Seniority: senior.
Applications are handled by Mastercard. Apply on Mastercard

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

Software DevelopmentAgile

Also common in software engineer jobs at this level

Python C++Kubernetes TypeScript React Docker

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

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