# Principal Software Engineer at Mastercard

Mastercard is hiring a Principal Software Engineer. Level rates it Little AI ●○○○; you can [apply on Mastercard](https://jobsbylevel.com/go/ba299c90-d2af-4506-9ffa-14963af46781?utm_medium=ai-agent).

AI Level 1, AI centrality 33 out of 100. O'Fallon, Missouri.

## Details

- Company: [Mastercard](https://jobsbylevel.com/companies/mastercard)
- AI level: AI Level 1 (score 33 out of 100)
- Location: O'Fallon, Missouri
- Posted: October 28, 2026
- Apply: https://jobsbylevel.com/go/ba299c90-d2af-4506-9ffa-14963af46781?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=principal-software-engineer-at-mastercard-5d7703

## Description

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 Principal Software Engineer Principal Software Engineer Overview Who is Mastercard? 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 (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. Department Overview At Mastercard Labs / Foundry, we empower innovation by exploring emerging technologies and building cutting-edge solutions that shape the future of commerce. Develop highly scalable world class solutions from inception to execution, accelerate technology evaluation and adoption. Role Summary As a Principal Software Engineer, you will: • Collaborate with stakeholders across Product, Technical, Business Operations, and other Mastercard teams to understand product requirements and lead the design and architecture of scalable solutions. • Design software architecture in alignment with Mastercard standards and present solutions to the Solution Architecture Board for approval. • Develop and support application software in adherence to Mastercard’s standards, processes, and best practices. • Deliver high-quality, secure, and scalable software solutions aligned with the product roadmap, within time and budget constraints. • Research and evaluate technical solution alternatives to meet business needs. • Create and maintain system and testing documentation per departmental standards. • Ensure compliance with audit requirements and Mastercard’s QA/QC processes. • Modernize and simplify existing architectures to enhance scalability, performance, and operational efficiency. • Champion engineering excellence through hands-on contributions and collaborative leadership. • Support the collection and reporting of project and software metrics. • Mentor and coach team members to foster engineering leadership. All About You Required Qualifications: • Bachelor’s degree in Information Technology, Computer Science, or a related field. • Extensive software development experience with a strong track record of delivering enterprise-grade solutions. • Desired strong knowledge of card ecosystem including, Loyalty, Clearing, Fraud, Disputes, Issuer, Acquirer & Merchant domains. • Deep understanding of software engineering concepts, methodologies, and Agile/SAFe Agile practices. • Proven expertise in software architecture, design, and application development. • Strong communication skills (verbal and written) and the ability to quickly learn and apply new technologies and frameworks. • High energy, detail-oriented, proactive, and capable of working under pressure to meet deadlines. • Strong collaboration and organizational skills with a high degree of initiative and self-motivation. • Ability to work effectively in a matrixed, geographically distributed team environment. • Excellent troubleshooting skills and a proactive approach to problem-solving. • Experience building high-performing, secure applications with a strong grasp of architecture, performance, and security principles.

The description is cut here. Read the full offer: https://jobsbylevel.com/jobs/principal-software-engineer-at-mastercard-5d7703

Source: https://jobsbylevel.com/jobs/principal-software-engineer-at-mastercard-5d7703

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