Senior Software Engineer

MasterCard Worldwide; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Mastercard Worldwide in Singapore seeks a Senior Software Engineer within the Realtime Payments (RTP) program to design, build, test, and operate high‑quality backend services enabling instant payments across markets.

You will own features end‑to‑end, apply patterns such as microservices and REST APIs, ensure reliability, and contribute to production readiness, logging, metrics, and on‑call support.

Qualifications

• Strong hands-on experience developing enterprise backend systems.
• Solid understanding of distributed systems fundamentals.
• Experience working in production environments with uptime and reliability expectations.

Responsibilities

• Design and implement software components and services based on defined requirements and architectures.
• Write clean, efficient, and testable code aligned with Mastercard engineering standards.
• Build software with operational concerns in mind, including observability and failure handling.
• Collaborate with Product, QA, and DevOps to ensure quality and smooth releases.
• Contribute to continual improvements in performance, reliability, and maintainability.

Skills

Distributed systems

Production experience

Agile delivery

Mentoring

Tools

Java/Spring

APIs

Messaging systems

Data persistence

CI/CD

Version control

Cloud/containers

Job description

Title and Summary

Senior Software Engineer

Overview

The Realtime Payments (RTP) program enables instant, account‑to‑account payments, supporting secure, low‑latency, and highly available payment services across multiple markets. RTP platforms operate as mission‑critical financial infrastructure, requiring strong engineering discipline, reliability, and compliance with Mastercard standards.

Senior Software Engineers in RTP play a critical role in designing, building, and operating high‑quality software, delivering features and services that meet functional and non‑functional requirements while operating reliably in production environments.

Role

As a Senior Software Engineer, you will be responsible for designing, developing, testing, and supporting software components within an RTP product or platform capability.

This role is suited for an experienced engineer who:

Independently delivers complex features with minimal supervision

Applies established architectural patterns and engineering standards

Takes ownership of code quality, reliability, and operational readiness

Collaborates actively with peers, Product, QA, and Operations partners

You are expected to contribute strong technical judgment, maintain a production‑first mindset, and act as a reliable senior member of the engineering team.

Key Responsibilities

1. 1. Software Design & Development

   Design and implement software components and services based on defined requirements and architectures.

   Apply approved patterns (e.g., microservices, event‑driven messaging, REST APIs) consistently.

   Translate functional and non‑functional requirements into working, maintainable code.

   Contribute to technical design discussions and document implementation decisions as needed.

   Deliver end‑to‑end features including development, testing, deployment, and documentation.

2. 2. Code Quality & Engineering Practices

   Write clean, efficient, and testable code aligned with Mastercard engineering standards.

   Develop and maintain automated unit, integration, and component tests.

   Participate actively in code reviews—both receiving and providing feedback.

   Identify and resolve defects, performance issues, and reliability concerns.

   Follow secure coding practices and compliance requirements.

3. 3. Operational & Production Readiness

   Build software with operational concerns in mind, including observability and failure handling.

   Add and maintain appropriate logging, metrics, and alerts for owned components.

   Participate in production readiness checks and deployment activities.

   Support on‑call rotations and assist in incident investigation and resolution when required.

   Contribute to root cause analysis and remediation actions following production issues.

4. 4. Collaboration & Team Contribution

   Work closely with Product Managers to clarify requirements and delivery expectations.

   Collaborate with QA and DevOps partners to ensure quality and smooth releases.

   Support junior engineers through code reviews and knowledge sharing.

   Communicate progress, risks, and technical considerations clearly within the team.

5. 5. Continuous Improvement

   Contribute to incremental improvements in performance, reliability, and maintainability.

   Identify and help reduce technical debt in owned areas.

   Continuously build knowledge of RTP platforms, domain concepts, and Mastercard technologies.

   Adopt and reinforce Mastercard’s SDLC, security, and engineering best practices.

All About You

Experience & Technical Expertise

Typically 5–8 years of professional software engineering experience.

Strong hands‑on experience developing enterprise backend systems.

Solid understanding of distributed systems fundamentals.

Ability to independently design and deliver non‑trivial software features.

Experience working in production environments with uptime and reliability expectations.

Technology Background

Strong experience with Java/Spring or comparable backend technologies.

Experience with APIs, messaging systems, and data persistence.

Familiarity with CI/CD pipelines, automated testing, and version control systems.

Exposure to cloud or containerized environments is preferred.

Payments or regulated‑systems experience is a plus, but not mandatory.

Ways of Working

Takes ownership of assigned work and follows through to completion.

Comfortable working in an agile, fast‑paced delivery environment.

Communicates effectively with engineers and non‑engineering stakeholders.

Demonstrates the Mastercard Way values: ownership, customer focus, collaboration, and thoughtful risk‑taking.

Eager to learn, improve, and take on progressively complex challenges.

Corporate Security Responsibility

All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must:

• Abide by Mastercard’s security policies and practices;
• Ensure the confidentiality and integrity of the information being accessed;
• Report any suspected information security violation or breach, and
• Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.