Mastercard

Financial Services

LeadSoftwareEngineer(Real-TimePayments)

S$185–275k ~AI est. Singapore FULL TIME
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Lead candidates.

The Brief

“Lead Software Engineer (Real-Time Payments) at Mastercard. Skills: Real-Time Payments, Distributed systems, Microservices, Event-driven architecture. Design features. Implement features”

Industry & Context.

Financial Services
Problems you'll solve

Problem solving

Eligibility Requirements

On-call responsibility

What They're Looking For.

Must Have

7-10 years software engineering experience, Hands-on distributed systems design, Production environments experience, On-call operational responsibility

Nice to Have

Cloud and containerized environments exposure, Payments experience, Regulated systems experience, High-availability systems experience

What You'll Do.

Apply reference architectures

Translate requirements

Participate in design reviews

Make technology decisions

Drive end-to-end delivery

Lead maintainable design

Contribute to code reviews

Solve technical problems

Promote disciplined development

Design for performance

Design for scalability

Design for reliability

Ensure production readiness

Ensure capacity awareness

Participate in performance testing

Participate in readiness reviews

Participate in operational validations

Support incident analysis

Act as technical point

Support technical onboarding

Promote accountability

Collaborate with partners

Identify technical debt

Address technical debt

Improve maintainability

Adopt engineering standards

Reinforce security practices

Reinforce compliance requirements

Contribute suggestions

How You'll Work.

Team & Collaboration

Cross-functional team; Product Managers; Architecture; Operations; QA

Communication Scope

Explain technical concepts

Full Job 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** ### Lead Software Engineer (Real-Time Payments) ### Overview The Realtime Payments (RTP) program is driving the global transition toward instant, account‑to‑account payments, enabling secure, low‑latency, and highly resilient payment services across multiple live markets. RTP platforms operate as mission‑critical financial infrastructure, supporting high transaction volumes, strict regulatory expectations, and very high availability requirements. Engineering in RTP is focused on delivering robust, scalable, and operable platforms—balancing feature delivery with strong engineering discipline, non‑functional excellence, and long‑term maintainability in line with Mastercard’s enterprise standards. Role We are seeking a Lead Software Engineer to provide hands‑on technical leadership and execution for a RTP product or platform capability. This role is ideal for an experienced senior engineer who: Leads day‑to‑day technical execution for a team or product area Remains hands‑on in design and implementation, especially for complex flows Acts as the technical anchor for delivery quality, reliability, and operability Coaches engineers and raises the engineering bar through example The Lead Software Engineer partners closely with Product, Architecture, and Operations to ensure solutions are built correctly, perform reliably in production, and conform to RTP and Mastercard engineering standards. Key Responsibilities 1\. Design & Technical Delivery Own

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