MastercardSenior Software Engineer - Java Full Stack & AI
Mastercard is hiring a Senior Software Engineer - Java Full Stack & AI. Level rates it ; you can apply on Level.
AI in this role
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 - Java Full Stack & AIOverviewThe Decision Services Technology team within Mastercard's Business & Market Insights organization develops analytics, reporting, and intelligence solutions that help customers investigate transactions, identify fraud patterns, and make informed business decisions.
As part of a rapidly growing product area, the team is investing heavily in AI-powered capabilities that automate manual analysis and improve customer outcomes. Supporting a product with significant growth and a multi-year roadmap, engineers on this team play a key role in developing, enhancing, and scaling innovative solutions across full-stack, cloud, data, and AI technologies.
As a Senior Software Engineer, you will independently deliver complex solutions, influence technical design decisions, and help drive engineering excellence across the platform. This role requires deep technical expertise, strong ownership, and the ability to mentor other engineers while operating with minimal guidance.
What You'll Do
Software Development
•Design, develop, test, deploy, and support complex software solutions.
•Build scalable APIs, backend services, and modern web applications.
•Utilize Java, Spring Boot, React or Angular, and Python across the technology stack.
•Lead implementation efforts for AI-enabled capabilities and automation initiatives.
•Drive technical solutions from requirements through deployment.
Design & Architecture
•Contribute to architecture decisions and system design discussions.
•Apply architectural patterns that support scalability, reliability, and maintainability.
•Guide technical implementation across distributed and cloud-based systems.
•Support integration of AI and machine learning capabilities into business products.
Quality & Operational Excellence
•Champion testing, secure coding, and code quality standards.
•Conduct code reviews and mentor engineers through technical feedback.
•Lead troubleshooting efforts and root-cause analysis for complex issues.
•Improve observability, automation, performance, and operational readiness.
•Drive continuous improvement initiatives across the engineering lifecycle.
Collaboration & Leadership
•Partner closely with Product, Architecture, and Engineering leadership.
•Serve as a technical mentor for less experienced engineers.
•Influence technical direction and engineering best practices.
•Contribute to Agile planning, estimation, and delivery leadership.
Required Qualifications
•Bachelor's degree in Computer Science, Engineering, Information Technology, or a related field, or equivalent experience.
•6+ years developing enterprise software solutions.
•Advanced proficiency in Java 8+ and Spring Boot.
•Deep understanding of REST APIs, microservices, and distributed systems.
•Strong knowledge of React, Angular, or comparable frontend frameworks.
•Expertise in Oracle or SQL-based database development.
•Familiarity with CI/CD practices and modern engineering workflows.
•Knowledge of Python for AI, automation, and data-driven applications.
•Exposure to GitHub Copilot or similar AI-assisted development tools.
•Strong troubleshooting, debugging, and analytical capabilities.
•Ability to independently deliver complex technical solutions with minimal oversight.
Preferred Qualifications
•Experience with AWS, Azure, or GCP.
•Knowledge of Docker, Kubernetes, and cloud-native architectures.
•Exposure to Databricks, Spark, Delta Lake, or similar technologies.
•Experience integrating AI/ML services, APIs, or models into enterprise platforms.
•Experience mentoring engineers and leading technical initiatives.
•Background in payments, fraud, analytics, or data-driven business solutions.
Success Measures
A successful Senior Software Engineer will:
•Independently deliver complex features and technical initiatives.
•Demonstrate ownership of key systems, services, or technical domains.
•Mentor team members and elevate engineering quality.
•Contribute to AI-powered product innovation and platform growth.
•Improve scalability, reliability, performance, and operational excellence.
•Influence engineering standards and technical direction across the team.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 - Java Full Stack & AI at Mastercard rates 9 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. Open the description and count.
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
- What's a project where you used Copilot hands-on?
- Walk me through how you've used Databricks in your day-to-day work.
Adapt your resume
- List these exact terms on your resume: Copilot and Databricks. 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.
Want an expert to read your CV for this job?
Free. Send your CV and the role you want next. We reply by email within 2 to 4 business days.
Get new software engineer jobs by email
One email a week with the new software engineer jobs, each rated for how much AI is in the work. No recruiter spam, unsubscribe in one click.
Free. One email a week. Unsubscribe in one click.
Similar roles
Software Engineering roles that involve little AI, at other companies.
What kind of AI work fits you?
Answer 12 practical questions in about three minutes. Get a simple profile, the work it points to, and live roles to explore next.
Find my next step