MastercardSenior Software Engineer - Java
Mastercard is hiring a Senior Software Engineer - Java. 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 Java, Spring Boot and React 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
Design and build full-stack applications and backend services for Mastercard's Enterprise Credit Risk team using Java and modern web frameworks.
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 - JavaOverview:Mastercard’s Enterprise Credit Risk (ECR) team is seeking a talented Senior Software Engineer – Java Full Stack to design, build, and modernize applications that power credit decisioning, portfolio risk management, lender workflows, customer experiences, and analytics across Mastercard’s lending and risk ecosystem.
This role is ideal for an experienced software engineer who enjoys solving complex business problems through technology and working across the full application stack. The successful candidate will partner closely with Product, Engineering, Risk, Architecture, and Data teams to deliver secure, scalable, and high-performing applications that improve operational efficiency, simplify lending decisions, and create exceptional user experiences.
The ideal candidate brings strong hands-on Java backend expertise combined with modern frontend development experience, a passion for engineering excellence, and the ability to contribute to technical design and delivery across the application lifecycle.
This is a hybrid role based in O’Fallon, MO, requiring three days per week onsite.
Role:
• Design, develop, test, deploy, and maintain scalable full-stack applications supporting Enterprise Credit Risk products and services.
• Build secure, resilient, and highly available backend services using Java, Spring Boot, and Spring Framework.
• Develop modern, responsive user interfaces using React, Angular, TypeScript, JavaScript, or similar technologies.
• Design and implement RESTful APIs, microservices, and event-driven integrations to enable scalable application architectures.
• Collaborate with Product Managers, Business Analysts, Risk SMEs, Architects, and Data teams to translate business needs into effective technical solutions.
• Participate in architecture and technical design discussions, evaluating technologies and recommending solutions that improve application capabilities and maintainability.
• Develop reusable services, components, and frameworks that promote engineering consistency, scalability, and developer productivity.
• Apply strong software engineering practices, including object-oriented design, design patterns, automated testing, code reviews, and secure coding standards.
• Diagnose and resolve complex application and production issues, performing root cause analysis and implementing sustainable solutions.
• Continuously improve application performance, scalability, reliability, observability, and security.
• Contribute to cloud-native development, containerization, and CI/CD and DevSecOps practices that enable reliable and efficient software delivery.
• Mentor junior and mid-level engineers, share technical knowledge, and contribute to a culture of engineering excellence.
• Participate in Agile planning, estimation, prioritization, and delivery activities while taking ownership of assigned technical outcomes.
All About You:
• Extensive experience as a Software Engineer, Senior Software Engineer, Full-Stack Engineer, or similar role developing enterprise-scale applications.
• Strong hands-on experience with Java and modern Java development practices, with a deep understanding of object-oriented programming, design principles, and software design patterns.
• Proven experience building RESTful APIs, microservices, and distributed applications using Spring Boot and the Spring Framework.
• Experience developing modern, responsive web applications using React, Angular, TypeScript, JavaScript, or comparable frontend technologies.
• Strong experience working with relational databases and SQL, including technologies such as PostgreSQL, Oracle, or SQL Server.
• Experience designing and integrating applications using event-driven architectures, messaging platforms such as Kafka, and JSON/XML-based APIs.
• Experience with cloud-native application development, Docker, Kubernetes, and cloud platforms such as Azure or AWS.
• Strong understanding of software quality practices, including automated testing, code reviews, CI/CD, source control, and secure software development.
• Demonstrated ability to troubleshoot complex technical issues, analyze system behavior, and optimize application performance and scalability.
• Demonstrated technical leadership through complex projects, platform initiatives, architectural improvements, or cross-team engineering efforts.
• Strong analytical and problem-solving skills, with the ability to navigate ambiguity, evaluate tradeoffs, and drive solutions from concept through delivery.
• Excellent written and verbal communication skills, with the ability to explain technical concepts and collaborate effectively with both technical and non-technical stakeholders.
• Bachelor’s degree in Computer Science, Engineering, Information Systems, or a related STEM discipline. Equivalent practical experience will also be considered.
Preferred Qualifications:
• Strong experience with several of the following:
o Backend: Spring Boot / Spring Framework, REST APIs, Microservices, JPA / Hibernate
o Frontend: React, Angular, TypeScript, JavaScript, HTML5 / CSS3
o Data & Integration: SQL, PostgreSQL / Oracle, Kafka, JSON / XML APIs
o Cloud, DevOps & Engineering: Azure or AWS, Docker, Kubernetes, GitHub, CI/CD pipelines, Automated testing frameworksMastercard 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 - Java at Mastercard rates 10 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
Pay
- Typical software engineer job
- $168k
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Questions you could be asked
- Tell me about a project where full stack development was part of your work. What did you do?
- Tell me about a project where backend engineering was part of your work. What did you do?
- Tell me about a project where frontend development was part of your work. What did you do?
- Tell me about a project where rest apis 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?
Adapt your resume
- List these exact terms on your resume: Full Stack Development, Backend Engineering, Frontend Development, REST APIs, and Microservices. 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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