Senior Principal Software Architect (Global Open Finance)

Mastercard Inc.; Ireland; Hybrid; EUR 150,000 - 210,000; Full time

Job summary

Mastercard is seeking a Senior Principal, Software Architect for the Open Finance team in Dublin. This hands-on, influential role defines the architecture and partners with Product, Engineering, and Technology to deliver scalable, secure, and resilient Open Finance solutions.

You will drive target architecture, roadmaps, and reusable patterns, mentor engineers, and apply AI-assisted practices to accelerate prototyping while ensuring regulatory and security compliance.

Qualifications

• Hands-on software engineering with demonstrable coding skills.
• Proven experience in enterprise-scale architecture and platform strategy.
• Open Finance / Open Banking domain knowledge welcome.

Responsibilities

• Define and drive the North Star architecture for Mastercard Open Finance.
• Develop phased architecture roadmaps to modernize platforms and establish priorities.
• Lead architectural decision-making across product, engineering, and technology.
• Mentor architects and engineers and promote engineering excellence.

Skills

Technical leadership

Cross-functional collaboration

Communication

Education

Bachelor's or Master’s degree in CS/Engineering/IS

Tools

Cloud platforms

APIs

Distributed systems

Data architecture

Identity management

Security engineering

Infrastructure as Code

Automation

Open Finance/Open Banking

Generative AI in engineering

Job description

• Mastercard’s Open Finance team is seeking a Senior Principal, Software Architect to define and drive the architecture that enables this vision
• This is a hands-on individual contributor role with broad influence across Product, Engineering, and Technology
• You will establish the target architecture, define a practical path from today’s platforms to a unified global ecosystem, and partner across teams to deliver scalable, secure, and resilient solutions
• Success in this role means enabling teams to build faster, promoting consistent and reusable capabilities across markets, and creating a platform that securely connects consumers, businesses, and financial institutions through seamless Open Finance experiences
• The Mastercard’s Customer Acquisition & Engagement business helps brands attract customers, build loyalty and grow customer relationships
• Our vision is to bring together assets across Mastercard into a more unified Marketing Technology platform: connected data, shared capabilities and consistent interfaces that support products and markets globally
• This is a full-time hybrid role based in Dublin, requiring three days per week onsite
• Define and drive the North Star architecture for Mastercard Open Finance, translating business and product strategy into a scalable, long-term technology vision
• Develop and execute phased architecture roadmaps that modernize existing platforms while establishing clear priorities, dependencies, milestones, and measurable outcomes
• Lead architectural decision-making across Product, Engineering, and Technology, balancing competing requirements and aligning teams around common goals
• Evaluate complex technical challenges, identify architectural risks, trace critical platform, data, and customer flows, and develop proofs of concept to validate solutions
• Use generative AI and AI-assisted engineering practices to research and challenge designs, accelerate prototyping, assess implementations, and improve engineering effectiveness while applying sound technical judgment
• Establish and promote reusable architecture patterns, reference implementations, Infrastructure as Code, automation frameworks, and engineering standards that enable teams to deliver consistently and efficiently
• Simplify and modernize the platform by consolidating overlapping capabilities, reducing unnecessary dependencies, and retiring legacy technologies
• Design and evolve cloud-native services supporting bank connectivity, consent management, identity, financial data aggregation, and account-to-account payment capabilities
• Balance global platform consistency with local regulatory, compliance, privacy, data residency, and market-specific requirements
• Guide architecture from concept through production, ensuring solutions are secure, resilient, scalable, observable, high-performing, and cost-efficient
• Influence technical and business decisions across all levels of the organization by translating complex architectural concepts into clear business outcomes and strategic recommendations
• Mentor architects and engineers, foster cross-functional collaboration, and promote engineering excellence through technical leadership and partnership

Demonstrated success influencing technical and business decisions across multiple levels of an organization, including senior leadership and executive stakeholdersProven ability to mentor architects and engineers, build trust across teams, and lead through influence rather than direct authorityStrong hands-on software engineering and coding skills, with the ability to independently investigate complex problems, test hypotheses, develop prototypes, and assess implementation qualityProven experience as a Principal Engineer, Lead Architect, Software Architect, Distinguished Engineer, or equivalent technical leadership role driving enterprise-scale architecture and platform strategyDeep expertise in cloud platforms, APIs, distributed systems, data architecture, identity management, security, and enterprise integration patterns, including practical experience with automation and Infrastructure as CodeDemonstrated experience leveraging generative AI to improve engineering productivity, solution design, and development processes, with sound judgment around accuracy, security, privacy, and responsible useExceptional communication skills with the ability to articulate complex technical concepts effectively to both technical and non-technical audiencesStrong understanding of Open Finance and Open Banking ecosystems, including bank connectivity, consent management, identity, financial data sharing, and account-to-account paymentsBachelor’s or Master’s degree in Computer Science, Engineering, Information Systems, or a related field, or equivalent practical experienceExperience defining target-state architectures and leading multi-year modernization and migration initiatives across multiple products, teams, and technology domainsAbility to simplify highly complex technical challenges and connect architectural decisions to measurable business, customer, and regulatory outcomesStrong computer science foundation with a proven track record of designing and building large-scale distributed platforms, ideally supporting financial services or other highly regulated industries