Sr Principal Software Engineer

Mastercard • O'Fallon, MO

142d • $200,000 - $320,000 • Hybrid

About The Position

At Mastercard Foundry Research & Development, we empower innovation by exploring emerging technologies and building cutting-edge solutions that shape the future of commerce. We are seeking a Senior Principal, Software Engineer to join the Foundry Research & Development team. In this role, you will develop highly scalable world class solutions from inception to execution, accelerating technology evaluation and adoption.

Requirements

• 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 & deep 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.
• Proficiency in Java-based systems and services, cloud technologies (Azure/AWS), AI/ML, Gen AI and microservices architecture.
• Expertise in Spring, RESTful services, API design principles, and best practices.
• Familiarity with data modeling, database design, data warehousing, Oracle, Redis, and reporting technologies.
• Demonstrated thought-leadership and cross-functional influence and partnership demonstrated by a successful track record of enabling business through these technical decisions.
• Progressively grown career with proven design and development experiences in multiple languages, secure coding standards (e.g., OWASP, CWE, SEI CERT), and vulnerability management.
• Strong knowledge of Mastercard privacy by design, Distributed Computing Architecture, Strong Communications, Commercial Focus, Innovation & Thought leadership.
• Knowledge of enterprise-level application frameworks, tools, secure coding standards (e.g., OWASP, CWE, SEI CERT), and vulnerability management.
• Understands use cases for advanced design patterns (e.g., service-to-worker, MVC, API gateway, intercepting filter, dependency injection, lazy loading) to implement efficient code.
• Understands and implements Application Programming Interface (API) standards and cataloging to drive API/service adoption and commercialization.
• Bachelor's degree in Information Technology, Computer Science, or a related field.

Nice To Haves

• Experience in the Core payments, Processing, Loyalty, Fraud & Payment domains.
• Passion for building innovative solutions that positively impact global payments.
• Data-savvy mindset with an understanding of how data enhances convenience and security in payments.
• Clear mission focus aligned with business objectives and team success.
• Strong stakeholder management and expectation-setting skills.
• Confident communicator with the ability to articulate technology vision and roadmaps to diverse audiences.
• Problem-solver with a results-driven mindset.

Responsibilities

• 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.
• Contribute and lead Guild initiatives to improve the craftmanship of Software Engineering.
• Drive the architectural design, including dependent services, service interactions, and policies.
• Take ownership to improve the customer experience of an entire set of services/applications sold as products or bundled services.
• 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.
• Apply judgment and experience to balance trade-offs between competing interests.
• Venture beyond comfort zone to take on assignments across different areas of Software Engineering.
• Champion engineering excellence through hands-on contributions and collaborative leadership.
• Take on organization-wide and public speaking engagements and publishes white papers and blogs on relevant and emerging technical topics.
• Represent engineering solutions at architectural review committees, SoAR and executives' leadership.
• Support the collection and reporting of project and software metrics.
• Mentor and coach principals & team members to foster engineering leadership.

Benefits

• Insurance (including medical, prescription drug, dental, vision, disability, life insurance)
• Flexible spending account and health savings account
• Paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave)
• 80 hours of Paid Sick and Safe Time
• 25 days of vacation time and 5 personal days, pro-rated based on date of hire
• 10 annual paid U.S. observed holidays
• 401k with a best-in-class company match
• Deferred compensation for eligible roles
• Fitness reimbursement or on-site fitness facilities
• Eligibility for tuition reimbursement

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree