Lead Software Engineer - Commercial Connect API Team
About the job
- Extensive experience as a backend Software Engineer or Software Developer in a fast-paced, collaborative environment.
- Strong experience developing backend applications using Java and Spring Boot.
- Proven expertise in designing and developing secure, scalable microservices that handle high traffic volumes, with a strong knowledge of microservices architecture, RESTful API design, and integration patterns.
- Advanced SQL knowledge with databases such as PostgreSQL and Oracle, and experience building solutions that scale.
- Hands-on experience with cloud platforms such as AWS or Azure.
- Experience with CI/CD practices, containerization using Docker and Kubernetes, DevOps practices, automated testing, and version control using Git.
- Experience using AI-assisted development tools to improve engineering productivity, accelerate analysis, and generate test coverage.
- Experience working in an Agile development environment.
- Bachelor’s degree in Computer Science, Engineering, or a related field; equivalent practical experience will be considered.
- Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.
- Lead the design, development, and deployment of high-quality Java microservices that integrate with modern front-end frameworks and third-party applications.
- Contribute to all phases of the software development lifecycle, including planning, coding, testing, reviews, and delivery.
- Collaborate closely with engineers, product managers, technical program managers, and test engineers to align technical and business goals.
- Perform code reviews, submit pull requests, and support continuous improvement.
- Ensure adherence to Mastercard's engineering best practices and compliance with enterprise security, operations, and architecture standards.
- Optimize application performance and reliability for large-scale, high-traffic systems.
- Apply AI-assisted engineering opportunities across the software development lifecycle, including code generation, test automation, and troubleshooting.
- 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.
About the company
Mastercard operates a global payment network connecting financial institutions, merchants, businesses and consumers. It authorizes, clears and settles transactions between participating institutions, while banks issue Mastercard-branded cards and extend credit to their customers. Its services also include fraud detection, identity verification, payment tokenization, data analysis and consulting for organizations managing commerce and financial operations. The company earns network fees linked to payment volumes and processed transactions, along with fees for its services and solutions. Founded by a group of banks in 1966, Mastercard is headquartered in Purchase, within Harrison, New York.
Company Size
10,001+
Company Stage
IPO
Headquarters
Town of Harrison, New York
Founded
1966
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Simplify's Take
What believers are saying
- Revenue is growing: July 2026 Mastercard reported $9.3 billion Q2 net revenue, up 14% year over year.
- Services broaden growth: July 2026 Mastercard reported Q2 value-added services and solutions net revenue growth of 20%.
- Parent support has a published floor: Mastercard lists at least 16 weeks of new parent leave, with regional variations.
What critics are saying
- Customer incentives complicate revenue: Mastercard adjusts rebates when actual client transaction volumes differ from estimates.
- Legal costs remain material: February 2026 Mastercard reported $504 million in pre-tax litigation provisions for 2025.
- Remote work is program based: Mastercard lists a hybrid policy and four-week work-from-elsewhere benefit, with regional variations.
What makes Mastercard unique
- Acceptance spans currencies: Mastercard's network processes payments in over 210 markets and 150 currencies.
- Tokens connect payment participants: Mastercard's APIs enable issuers, merchants and service providers to use tokens at scale.
- Fraud scoring extends beyond Mastercard cards: Decision Intelligence assesses transactions processed by any payment network.
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Benefits
New Parent Leave
Inclusive Family Building Benefit
Employee Family Resource Program
Bereavement Leave
Dependent Scholarship
Employee Assitance Fund
Business Resource Groups
Employee Recognition
Flexible Work
Tuition Assistance
Travel Assistance
Matching Charitable Gifts
Company News
In early October 2026, SoFi Tech Solutions, Orbi and Mastercard launched a crypto-linked card programme in Mexico. Orbi customers can spend fiat or crypto balances through real-time conversion, while merchants are paid in traditional currency. The card runs on Mastercard's Mexico Domestic Switch network for purchases and ATM withdrawals. Orbi is the first crypto-focused client of SoFi Tech Solutions' Mastercard BIN sponsorship programme in Mexico. The deal also sets up future stablecoin-powered remittances and payments over Mastercard's network. The move shows Mastercard weaving digital assets into existing payment rails rather than bypassing them. Its narrative projects $49.9 billion in revenue and $23.3 billion in earnings by 2029, up from $16.3 billion today.
Dublin-based fintech ArmadilloPay has won an e-money institution licence from the Central Bank of Ireland. The licence lets it issue e-money and provide regulated payment services. The company also said its €2 million seed round was oversubscribed, with backing from Enterprise Ireland and Mastercard. Founded four years ago by Rob Anderson and Liam Sheehan, ArmadilloPay has hired former senior executives from Monavate, Bunq, and PayPal. It will now take its single Application Programming Interface (API) to market, targeting high-volume, low-value international payments such as travel disruption payouts and gig economy disbursements. Anderson, the chief executive officer, said such payments are traditionally underserved and heavy on compliance.
Mastercard is preparing for the risk that AI agents with spending power go rogue, as the technology moves beyond assisting users to buying on their behalf. Its Agent Pay technology lets consumers instruct an AI assistant to, say, buy tickets within a set budget. Agent Pay for Machines lets autonomous systems transact with one another within defined parameters. President and chief technology officer Ed McLaughlin said the key is knowing which agent is buying, who permitted it, and what it may purchase. "Part of it is bringing humans back into the loop," he said. "So even if the agent goes rogue and tries to do something, you can say no." He expects agentic commerce to follow online shopping and mobile payments, which faced early scepticism. Mastercard's network spans 3.7 billion accounts worldwide.
Investment research site StockStory picked two stocks to buy and one to avoid among companies trading near 52-week highs. It likes Mastercard and ConocoPhillips, and advises selling Biogen. Mastercard trades at $588.84 per share, or 27x forward earnings. Its revenue grew 16.1% a year over five years, and its return on equity is 182%. ConocoPhillips trades at $134.30, or 12.3x forward earnings. Its revenue grew 10.1% a year over ten years, and its revenue stands at $65.28 billion. Biogen trades at $224.63, or 16.5x forward earnings. Its revenue fell 3% a year over five years, and its earnings per share have declined.
6th Bangladesh Fintech Summit explores the next phase of Digital Finance in Bangladesh. markediumOctober 11, 20263 Mins read The day-long Mastercard Presents 6th Bangladesh Fintech Summit Powered by Dhaka Bank PLC & in Association with Upay was held today at the Radisson Blu Water Garden Hotel, Dhaka, convening banking and fintech leaders, C-Suite executives, investors, regulators, technology experts, startup founders, and academicians from across the country and beyond. Initiated by Bangladesh Fintech Forum and organised by Bangladesh Brand Forum, the summit examined the priorities shaping the next phase of Bangladesh's digital financial transformation as stated in the Press Release. The Bangladesh Fintech Summit seeks to strengthen the country's financial technology ecosystem through knowledge exchange, industry collaboration, and policy dialogue. This year's discussions focused on moving from digital adoption towards dependable financial infrastructure, exploring how institutions can expand inclusion, strengthen customer confidence, and prepare for an increasingly technology-driven financial sector. The initiative comprised 2 Keynote Sessions, 3 Panel Discussions, 1 Expert Deep Dive, 1 Insight Session, and 1 Case Study, connecting regional banking experience with the practical priorities of Bangladesh's financial ecosystem. Welcoming the distinguished guests, Sajid Mahbub, Group Chief Executive Officer & Executive Editor, Bangladesh Brand Forum, remarked, "The next chapter of Bangladesh's fintech journey will depend on how effectively we turn digital adoption into lasting financial capability. Innovation must make financial services more useful and accessible, while strengthening the trust people place in them. This requires institutions, entrepreneurs, and policymakers to work together on the infrastructure and standards that will support our financial future." The summit featured keynote sessions led by Naushad Hussain, Chief Banking & Network Officer, TransFi Global; Former Group Chief Strategy Officer, Lightnet Group; Former Member of the Board of Directors, Inception Technology Co. Ltd.; Former Managing Director & Head of Global Retail Payments, CIMB Group; Khuan Yew Lee, Executive Director, Regional Head of Product, GXBank, GXS Bank & Grab; Former Senior Product Leader, Global Payments for Alibaba, Ant Group. The sessions examined the convergence of banking across ASEAN and South Asia and the journey of growing a digital bank from inception to one million customers. They explored the changing dynamics of regional banking and the importance of product development and customer confidence in scaling digital financial services. The Expert Deep Dive was led by Gazi Yar Mohammed, Co-founder & CEO, Kube Money; Co-Founder, Dana Fintech; Former EVP, Head of Digital Financial Services, One Bank Limited. The session explored the transition from automation to agentic intelligence and what this shift means for Bangladeshi banks and fintech companies, examining the implications of increasingly autonomous AI for financial services. Across the other sessions, speakers explored how AI and digital banks could reshape Bangladesh's financial services over the coming decade, alongside the role of cashless transactions and interoperability in reaching the next 100 million people. Discussions also addressed secure and scalable financial infrastructure, regulatory sandboxes, AI governance, data protection, and consumer protection. These conversations connected the opportunities of technological advancement with the institutional capabilities and regulatory foundations needed to build trust and support responsible innovation. Notable speakers included Osman Ershad Faiz, Managing Director & CEO, Dhaka Bank PLC.; Mohammad Ali, Managing Director & CEO, Pubali Bank PLC.; Syed Mahbubur Rahman, Managing Director & CEO, Mutual Trust Bank PLC.; Farzanah Chowdhury, Chartered Insurer, Managing Director & CEO, Green Delta Insurance PLC.; Ali Reza Iftekhar, Advisor, Bank Asia PLC.; Former Managing Director & CEO, Eastern Bank PLC.; Shyamol B. Das, Managing Director & CEO, UCB Fintech Company Ltd.- upay; Zakia Sultana Laboni, Country Manager, Mastercard Bangladesh; Yousup Faruqu, Chief Executive Officer, Raptas, Former Managing Director, Microsoft- Bangladesh, Bhutan, Nepal; Professor Imran Rahman, Dean of Business & Policy Advisor, Independent University, Bangladesh; Board Member, BRAC University; Independent Director & Vice Chairman, DBH Finance PLC.; among others, whose contributions brought banking, payments, insurance, and institutional leadership perspectives to the priorities facing Bangladesh's financial sector. Bangladesh Fintech Forum initiated the Mastercard Presents 6th Bangladesh Fintech Summit Powered by Dhaka Bank PLC & in Association with Upay. The event was organised by Bangladesh Brand Forum. Supported by: Brain Station 23; Innovation Partner: Bangladesh Innovation Conclave; Official Carrier Partner: Turkish Airlines; Hospitality Partner: Radisson Blu Water Garden Hotel, Dhaka; PR Partner: Backpage PR. 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