Senior Software Engineer

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 The Realtime Payments (RTP) program enables instant, account‑to‑account payments, supporting secure, low‑latency, and highly available payment services across multiple markets. RTP platforms operate as mission‑critical financial infrastructure, requiring strong engineering discipline, reliability, and compliance with Mastercard standards.

Senior Software Engineers in RTP play a critical role in designing, building, and operating high‑quality software, delivering features and services that meet functional and non‑functional requirements while operating reliably in production environments.

Role

As a Senior Software Engineer, you will be responsible for designing, developing, testing, and supporting software components within an RTP product or platform capability.

This Role Is Suited For An Experienced Engineer Who Independently delivers complex features with minimal supervision

Applies established architectural patterns and engineering standards

Takes ownership of code quality, reliability, and operational readiness

Collaborates actively with peers, Product, QA, and Operations partners

You are expected to contribute strong technical judgment, maintain a production‑first mindset, and act as a reliable senior member of the engineering team.

Key Responsibilities

• Software Design & Development

Design and implement software components and services based on defined requirements and architectures.

Apply approved patterns (e.g., microservices, event‑driven messaging, REST APIs) consistently.

Translate functional and non‑functional requirements into working, maintainable code.

Contribute to technical design discussions and document implementation decisions as needed.

Deliver end‑to‑end features including development, testing, deployment, and documentation.

• Code Quality & Engineering Practices

Write clean, efficient, and testable code aligned with Mastercard engineering standards.

Develop and maintain automated unit, integration, and component tests.

Participate actively in code reviews—both receiving and providing feedback.

Identify and resolve defects, performance issues, and reliability concerns.

Follow secure coding practices and compliance requirements.

• Operational & Production Readiness

Build software with operational concerns in mind, including observability and failure handling.

Add and maintain appropriate logging, metrics, and alerts for owned components.

Participate in production readiness checks and deployment activities.

Support on‑call rotations and assist in incident investigation and resolution when required.

Contribute to root cause analysis and remediation actions following production issues.

• Collaboration & Team Contribution

Work closely with Product Managers to clarify requirements and delivery expectations.

Collaborate with QA and DevOps partners to ensure quality and smooth releases.

Support junior engineers through code reviews and knowledge sharing.

Communicate progress, risks, and technical considerations clearly within the team.

• Continuous Improvement

Contribute to incremental improvements in performance, reliability, and maint