Mastercard

Financial Services

SoftwareEngineer(RealTimePayments)

S$95–140k ~AI est. Singapore, Singapore FULL TIME
Market Sentiment
HIGH DEMAND

Neural analysis suggests this role is
optimal for Mid candidates.

The Brief

“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.

Financial Services
Problems you'll solve

Root cause analysis; Incident investigation

Eligibility Requirements

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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