MastercardSoftware Engineer II
Mastercard is hiring a Software Engineer II in Pune, India. Level rates it ; you can apply on Mastercard.
Level's read on this job
- On Level's scale, this software engineer role is Uses AI ●●○○: an ordinary role that requires AI tools.
- The posting mentions ChatGPT, Claude and Copilot among its tools and skills.
- Level classes it as a mid-level role.
- Mastercard has 967 other open roles 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
Software Engineer IIOverview:Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.
Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
Services within Mastercard is responsible for acquiring, engaging, and retaining customers by managing fraud and risk, enhancing cybersecurity, and improving the digital payments experience. We provide value-added services and leverage expertise, data-driven insights, and execution.
About Ethoca:
At Ethoca, you can join a team of top business and technology innovators who are transforming the industry. We are changing the payments landscape and reinventing the way global merchants and issuers combat fraud and reduce costs. Our services allow customers to focus on what really matters - increasing sales and creating a great customer experience. Our relentless customer focus is what makes us an award-winning company.
Key Responsibilities
- Design, develop, and maintain scalable, efficient, and reliable applications in a cloud-based environment.
- Collaborate with product owners, architects, and senior engineers to translate business requirements into technical specifications and deliverables.
- Ensure developed solutions comply with architectural standards, security guidelines, and best engineering practices.
- Drive adoption of AI technologies across the Software Development Lifecycle (SDLC), utilizing prompt engineering, generative AI, coding assistants, agent-based workflows, and AI-powered development tools to improve engineering productivity, code quality, testing effectiveness, and operational efficiency.
- Participate actively in code reviews, unit testing, integration testing, and deployment processes to maintain quality and performance.
- Support ongoing operational excellence by monitoring systems, responding to incidents, and driving root cause analysis and remediation.
- Conduct research and Proof of Concepts (POCs) for emerging technologies, frameworks, and tools to improve product performance and development efficiency.
- Develop and maintain documentation for design, implementation, and operational support.
- Contribute to the continuous improvement of CI/CD pipelines, development workflows, and automation efforts.
- Engage in agile ceremonies such as sprint planning, retrospectives, and backlog refinement to ensure efficient team collaboration.
- Work closely with senior engineers and technical leads to receive mentorship and enhance technical expertise.
- Assist with effort estimation, project planning, and prioritization to deliver projects on time and within scope.
- Maintain awareness of modern software development practices, evolving technologies, and security standards through continuous learning and team knowledge sharing.
Required Skills & Qualifications
• 4–6 years of professional experience in software development.
• Proficiency in Java (Java 8 or higher) and Spring Boot frameworks.
• Good understanding of Azure Public cloud.
• Solid understanding of microservices architecture, RESTful APIs, and DevOps methodologies.
• Experience with relational (MySQL, PostgreSQL) and NoSQL (MongoDB, Cassandra) databases.
• Solid understanding of SQL, data modeling, and experience with databases (Oracle, Postgres, or similar).
• Experience using modern AI development tools (e.g., GitHub Copilot, Microsoft Copilot, ChatGPT, Claude, Cursor, or similar) for software development activities, including prompt engineering, code generation, unit test creation, documentation, debugging, and design acceleration.
• Basic understanding of application security principles and cloud-native development (AWS, Azure, or GCP preferred).
• Experience with CI/CD tools (Jenkins, Git), and containerization tools (Docker, Kubernetes) and test automation frameworks (JUnit, Mockito).
• Experience with TDD and BDD in the software development processes.
• Bachelor’s degree in computer science, Information Technology, or a related technical discipline.
• Strong problem-solving, analytical, and debugging skills with an ability to work under minimal supervision.
• Excellent communication skills and the ability to collaborate effectively with global, cross-functional teams.
• Demonstrated commitment to producing high-quality code, maintaining technical documentation, and contributing to continuous improvement.
Additional Skills
• Exposure to cloud platforms (AWS, Azure, GCP).
• Understanding of DevOps practices and infrastructure automation tools (Terraform, Ansible).
• Ability to work in Agile environments and contribute to sprint planning.
• Exposure to implement data pipelines, ETL processes, and integrations with relational and NoSQL databases would be good
• Familiarity with data platforms (e.g., Hadoop, Spark, or Databricks/Snowflake) is a plus.
• Exposure to Generative AI, Large Language Models (LLMs), Retrieval-Augmented Generation (RAG), AI Agents, and AI application development frameworks such as LangChain, Semantic Kernel, or equivalent technologies.
• Familiarity with AI-assisted SDLC practices, including AI-driven code review, test automation, knowledge management, and engineering productivity tools.
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
Software Engineer II at Mastercard rates 53 out of 100 for how much of the daily work is AI. That makes it Uses AI (AI Level 2 of 4). The level is about AI in the job, not seniority.
Uses AI. An ordinary role that requires AI tools.
- ●●●● 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
- $167k
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 structure and test a prompt to get consistent output from a language model?
- How would you design a retrieval step so the model answers from real data instead of guessing?
- How do you decide when an AI agent can act on its own versus asking for approval first?
- What's a project where you used ChatGPT hands-on?
- Walk me through how you've used Claude in your day-to-day work.
Adapt your resume
- List these exact terms on your resume: Prompt engineering, RAG, AI agents, ChatGPT, and Claude. 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.
- Put the AI tool in a bullet point about what you did, not just in a skills list. This role treats it as a required part of the job.
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