Principal Software Engineer | Mastercard | Pune, India
Job ID: R-234655
Location: Pune, Maharashtra – 411006
Category: Software Engineering
Job Type: Full-Time
Experience Level: 12+ Years | Distributed Systems | Java | Microservices | Cloud | DevOps
About Mastercard
Mastercard is a global technology leader in the payments industry. We connect and power an inclusive, digital economy that benefits everyone, everywhere. Our innovations, secure data and networks, partnerships, and passion help people, financial institutions, governments, and businesses realize their greatest potential. Operating in over 210+ countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.
About the Team – Transfer Solutions
The Transfer Solutions team is driving Mastercard’s leadership in real-time payments, domestic and cross-border transfers, and bill payments. We design and operate the technology that powers the next generation of payment platforms.
This team is focused on building scalable systems that transform digital money movement and meet the evolving needs of consumers, businesses, and governments.
Role Overview: Principal Software Engineer
We are looking for a hands-on technology leader who is passionate about building scalable, resilient, and future-ready systems. As a Principal Software Engineer, you will lead by example, spending 70% of your time on code and architecture, and 30% mentoring and guiding engineers.
Responsibilities
Lead the development and architecture of distributed systems with a focus on real-time payment platforms.
Collaborate across teams to implement scalable services, and enforce best practices in performance, security, and resilience.
Write non-feature code including frameworks, tests, and architectural fitness functions.
Apply Domain Driven Design, implement bounded contexts, and evolve models using consumer-driven contracts.
Guide junior to senior engineers, participate in architectural reviews, and conduct unbiased technical interviews.
Lead internal guild initiatives to improve software craftsmanship across the organization.
Define and evangelize reference architectures and development principles (e.g., active-active, auto-scaling, feature toggles).
Participate in the design and evolution of core systems across environments (hybrid, internal, public cloud).
Work with product teams to prioritize features and deliver value aligned with business and regulatory goals.
Use modern SDLC practices (CI/CD, DevOps, TDD, Feature Flags) to drive fast and secure releases.
Publish white papers, lead organization-wide initiatives, and speak at internal and external forums.
Key Requirements
Education: B.Tech / M.Tech in Computer Science or related discipline.
Experience: 12+ years of hands-on software engineering, including 3+ years in an architect or principal role.
Languages/Frameworks: Java, Spring Boot, RESTful APIs, microservices.
Architecture: Distributed systems, event-driven architecture, message queues.
DevOps Tools: CI/CD, Docker, Kubernetes, Infrastructure as Code.
Databases: SQL and NoSQL (e.g., PostgreSQL, MongoDB, Redis).
Cloud Platforms: AWS / Azure / GCP.
Security Knowledge: Secure coding practices (OWASP, CWE), vulnerability mitigation.
Problem-Solving: Strong analytical, debugging, and performance optimization skills.
Soft Skills: Excellent communication, leadership, mentoring, and collaboration abilities.
Why Join Mastercard
Work on mission-critical payment platforms used globally.
Collaborate with top engineers across 210+ countries.
Be a changemaker in Mastercard’s real-time payments strategy.
Thrive in a culture driven by Decency Quotient (DQ), innovation, and impact.
