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
Mastercard strives to be the trusted network for empowering small businesses to grow and thrive through compelling products and solutions accessible from our B2B customers and partners. This segment is central to Mastercard's growth strategy - not only because of the impact Small & Medium Enterprises have on local, regional, and global economies but also because of their significant role in the payment ecosystem as buyers and sellers.
Mastercard is a trusted partner by millions of small and medium businesses, enabling them to accept payments globally. This organization's goal is to add value by further addressing other areas, including their daily activities, business growth, cash flow management, etc.
Small and Medium businesses are the lifeline of the economy providing employment to more than 60% of the overall population. They face various challenges in their day-to-day execution; Mastercard is a market leader in providing solutions for them to accept payments globally at scale.
Global SME Engineering's organizational goal is to build innovative solutions and products that enable Mastercard to provide competitive solutions to small and medium businesses, that complements the Payments ecosystem and experiences that are Payment adjacent. The goal is to create an ecosystem of products that Mastercard provide to the business owners that helps them focus on their core business.
We believe in lean teams delivering a lot of value, so you will be part of a lean team potentially driving impact for the product and platform buildout from scratch. We will be iterating quickly and doing frequent brainstorming sessions welcoming new ideas and diverse perspectives to conceptualize new features. One of the core values of our team is to learn from each other irrespective of your level.
Be part of Mastercard and embrace the "Mastercard Way" of - "Create Value, Grow Together and Move Fast" by doing the right thing, focused on "Decency, Inclusion, and Force for Good."
Role
As Senior Software Engineering for the SME Services, this person will contribute to the Engineering team to one of the below areas,
1) SME's Business Essential Services required to run the business efficiently; the initial set of capabilities of focus are - 1) Cashflow Management 2) Open Banking integrations (retail/Wholesale) 3) Invoicing 4) Expense Management 5) SME's Employee Experiences 6) Cyber risk solution integrations 7) Education/Training.
2) SME's Value-Added Service like Loyalty solutions, Market insights etc. which will enhance a merchant's ability to run their business focused on Growth.
Overview
• Responsible for the analysis, design, development and delivery of software solutions• Defines requirements for new applications and customizations, adhering to standards, processes and best practices
Responsibilities
• Own complex problems having dependency across services and facilitate cross-functional team interactions to drive resolution• Write code to build and enhance applications/services and promote code-reviews, code scanning, and other standard development practices to deliver high-quality artifacts to production.• Define, design, and develop procedures and solutions at a service level to meet the business requirements/enhancements• Drive prioritization decisions and trade-offs in working with product partners• Identify opportunities and build roadmaps to enhance primary service/function• Automate and simplify all aspects of software delivery and development actively evangelizing the need to automate and simplify where needed.• Drive seamless integration across all connected services to meet end-user expectations• Drive blameless postmortems culture to identify root causes of incidents and implement learnings• Introduce new technologies and architecture by following enterprise guidelines• Advocate for engineering principles outside of current organization/platform• Provide development and architecture guidance to team members• Build relationships and effective partnerships across organizations• Write and evaluate recommendations for job promotions based on an unbiased view of one's accomplishments• Conduct technical interviews for hiring engineering staff and raising the performance bar• Lead by example with hands-on approaches to demonstrate engineering excellence• Encourage staff to share and seek knowledge within their Guild/Program to drive reuse of patterns/libraries/practices and enhance productivity
Experiences
• Has the ability to write secure code in three or more languages (e.g., C, C+, C#, Java, JavaScript) and familiar with secure coding standards (e.g., OWASP, CWE, SEI CERT) and vulnerabilities• Has skills in building applications using open frameworks to achieve reuse and reduce development times (e.g., Spring Boot, Steeltoe, Angular, DXP, others)• Understands internals of operating systems (Windows, Linux) to write interoperable and performant code• Able to perform debugging and troubleshooting to analyze core, heap, thread dumps and remove coding errors• Has skills to document and coach team on the development practices and coding guidelines (e.g., branching, peer reviews, library use, logging, scanning rules, test-driven development, error handling)• Understands use cases for advanced design patterns (e.g., service-to-worker, MVC, API gateway, intercepting filter, dependency injection, lazy loading, all from the gang of four) to implement efficient code• Has skills to undertake a technical review of code across applications and their dependencies to look for anti-patterns and promote continuous refactoring• Understands and elaborates technical debt and operational issues to drive prioritization discussions with stakeholders to improve the run experience• Understands system architecture to plan for platform and infrastructure capacity (e.g., database, compute, network, storage) and drives the dependency prioritization to reduce the delivery lead time• Has skills to understand customer journeys and ensure a Mastercard good experience by continuously reducing Mean time to mitigate (MTTM) for incidents and ensuring high availability (99.95% as a starting point)• Has skills to simplify deployment and eliminate software and infrastructure snowflakes using standardized platforms, ephemeral instances, and automation• Has skills to orchestrate release workflows and pipelines and apply standardized pipelines via APIs to achieve CI and CD using industry-standard tools (e.g., Jenkins, Bamboo, AWS/Azure pipelines, XL Release, others)• Able to configure rules and build automation for code with vulnerability scanning and software composition analysis using standard tools (e.g., Sonar, Checkmarx, Nexus, JFrog XRay, Veracode, others)• Has skills to define, organize, and report on test runs for major, minor, and hotfix releases (including unit, component level, system level, customer journeys, past customer issues, and regulatory controls)• Has skills to conduct various performance tests (e.g., load, spike, breakpoint, endurance) to Understands application/service limits and behaviors
Education:
bachelor's degree in information systems, Information Technology, Computer Science or Engineering or equivalent experience.
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.
Skills Required
- Bachelor's degree in Information Systems, Information Technology, Computer Science, Engineering, or equivalent experience
- Ability to write secure code in three or more programming languages
- Familiarity with secure coding standards and software vulnerabilities, including OWASP, CWE, or SEI CERT
- Experience building applications with open frameworks such as Spring Boot, Steeltoe, Angular, or DXP
- Understanding of Windows and Linux operating system internals
- Ability to debug core, heap, and thread dumps
- Knowledge of software development practices including branching, peer reviews, logging, scanning, test-driven development, and error handling
- Understanding of software architecture, design patterns, and platform or infrastructure capacity planning
- Experience with CI/CD pipelines and release workflow orchestration
- Experience with vulnerability scanning and software composition analysis tools
- Experience defining and reporting on unit, component, system, customer journey, and regulatory testing
- Experience conducting load, spike, breakpoint, and endurance performance testing
Mastercard Compensation & Benefits Highlights
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Retirement Support — Retirement plans are highlighted as especially strong, featuring a notably generous company match and added financial-planning resources. Feedback suggests this component stands out as a key strength of the overall package.
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Parental & Family Support — Parental and family benefits are consistently portrayed as robust, including extended new-parent leave and assistance for fertility, adoption, and surrogacy. Feedback suggests these programs are a signature part of the offering.
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Leave & Time Off Breadth — Paid time off is described as substantial, with multiple leave types and generous vacation and personal days noted in U.S. materials. Feedback suggests time off is frequently praised as a differentiator.
Mastercard Insights
What We Do
Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re building a resilient 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.
Why Work With Us
We live the Mastercard Way: creating value in the communities we touch, growing together through the opportunities we see, and moving fast to innovate and scale. Our collaborative culture and our passionate people are the key to what we do, driving meaningful change as one team and connecting everyone to priceless possibilities.
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