Mastercard
Financial Services
SoftwareEngineer(RealTimePayments)
Neural analysis suggests this role is
optimal for Mid candidates.
“Software Engineer (Real Time Payments) at Mastercard. Skills: Real Time Payments, Software development, Distributed systems. Design and implement features. Design and implement components”
Industry & Context.
Root cause analysis; Incident investigation
On-call rotations, Production support
What They're Looking For.
Must Have
3–6 years professional software engineering experience, Proven ability to deliver non-trivial features independently, Solid understanding of software engineering fundamentals, Solid understanding of distributed systems, Experience working on production systems, Experience with Java / Spring or equivalent backend technologies, Experience with APIs, Experience with messaging systems, Experience with data persistence layers, Familiarity with CI/CD pipelines, Familiarity with automated testing, Familiarity with version control tools
Nice to Have
Exposure to cloud environments, Exposure to containerized environments, Experience in payments, Experience in regulated environments
What You'll Do.
Design and implement features
Design and implement components
Apply architectural patterns
Translate requirements into code
Write high-quality code
Develop automated unit tests
Maintain automated unit tests
Develop automated component tests
Maintain automated component tests
Participate in code reviews
Identify performance issues
Address performance issues
Identify reliability gaps
Address reliability gaps
Follow secure coding practices
Follow regulatory requirements
Follow compliance requirements
Build software with reliability
Build software with observability
Build software with supportability
Add logging for components
Add metrics for components
Add basic alerts for components
Participate in production releases
Participate in operational readiness
Take part in on-call rotations
Take part in production support
Assist in incident investigation
Assist in root cause analysis
Assist in remediation actions
Communicate technical concerns
Participate in sprint planning
Participate in estimations
Participate in retrospectives
Contribute to reducing technical debt
Build understanding of RTP platforms
Build understanding of payments domain
How You'll Work.
Team & Collaboration
Cross-functional team; Peer engineers; Product Managers; QA; DevOps
Communication Scope
Communicate progress; Communicate risks; Communicate technical concerns
Process & Methodology
Agile, Sprint planning, Estimations, Retrospectives
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** ### 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 As a Software Engineer, you will design, develop, test, and support software components and features within an RTP product or platform capability. This role is suited for an engineer who: Works independently on defined problems and features Applies established architectural patterns with good technical judgment Takes ownership of code quality, testing, and production reliability Collaborates actively within a cross‑functional team Is progressing toward Senior‑level scope and complexity You are expected to deliver consistently, contribute to improving the codebase and systems you work on, and operate with a production‑first mindset. Key Responsibilities 1\. Software Design & Development Design and implement small to medium‑sized features or component
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