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Principal Software Engineer



Software Engineering
Pune, Maharashtra, India
Posted on Friday, May 24, 2024

Our Purpose

We work 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. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences. We believe that our differences enable us to be a better team – one that makes better decisions, drives innovation and delivers better business results.

Title and Summary

Principal Software Engineer

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."

As Principal Software Engineering for the SME Services, this person will contribute to the architecture and engineering thought leadership 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.
Apart from the above, a Principal engineer will provide engineering thought leadership to the overall engineering outlook of the SME platform and will be looked up by the engineering community for engineering excellence and mentorship.


• 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


• Work on complex enterprise-wide initiatives spanning multiple services/programs and drives resolution
• Work with business/product owners to architect and deliver on new services to introduce new products and bundles
• 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
• Contribute and lead Guild initiatives by engaging and mentoring Engineers at all levels to improve the craftmanship of Software Engineering
• Simplify and improve the cost/benefit of a function/service/architecture strategy
• 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
• Take on organization-wide and public speaking engagements and publishes white papers and blogs on relevant and emerging technical topics
• Consult across teams and across organization lines to identify synergies and reuse opportunities
• Participate and contribute to Principal review architecture meetings and drive resolutions to enterprise-wide challenges and regulatory needs
• Write 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
• Identify and raise awareness to Silo-ed behaviors within the organization and teams


• Progressively grown career with proven design and development experiences in multiple languages, secure coding standards (e.g., OWASP, CWE, SEI CERT), and vulnerability management.
• Understands internals of operating systems (Windows, Linux, Mainframe) to write interoperable and performant code.
• Has skills to develop and evangelize on reference architecture and run principles to help teams adopt Engineering Principles from the start (poison pill, active/active/active, auto-scaling, self-healing, others)
• Understands use cases for advanced design patterns (e.g., service-to-worker, MVC, API gateway, intercepting filter, dependency injection, lazy loading, all from gang of four) to implement efficient code
• Understands and implements Application Programming Interface (API) standards and cataloging to drive API/service adoption and commercialization
• Has skills to promote and coach teams on take on full stack development and facilitate end-to-end service ownership
• Has skills to engage engineers across Technology organization to promote standard software patterns and reuse of common libraries and services
• Has experience in leading and coaching teams to perform software planning and estimation for large scale complex programs
• Has skills to drive trade-off discussions to set right development capacity based on value drivers (e.g., regulatory, security, new business, market parity, technical debt)
• Has experience in design and execution of automation across multiple business areas and provides guidance on best methods and tools.
• Has an expert understanding of DevOps best practices to guide developers and abstract application development from underlying hosting platforms and infrastructure
• Performance engineering experience to ensure applications are built to scale, run, and perform for varying demands
• Has skills to evaluate practices, metrics, and roles to continually optimize SDLC methodologies and automate processes to improve lead time and quality
• Has skills to perform architecture and cost analysis for internal, hybrid, and public cloud environments
• Has skills to succinctly articulate architecture patterns of complex systems, with business and technical implications, to executive and customer stakeholders
• Has skills to define and drive advanced chaos and other operational testing practices to test points of failures, monitors, and system behaviors under adverse conditions (e.g., resource spikes, network congestion, component or infrastructure failure)
• Has skills to implement advanced test set ups in production environment (e.g., A/B testing, canary releases, blue-green deployment, feature flags)

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.