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Principal Software Engineer (Solution Architect, Experience on Designing enterprise-grade Mobile App & SDK using Android & iOS platform , Java Backend)

Mastercard

Pune, India permanent

Posted: April 29, 2026

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Quick Summary

We are seeking a skilled Principal Software Engineer with experience in designing enterprise-grade mobile apps and SDKs on Android and iOS platforms using Java backend, to join our team in Pune, India. The ideal candidate should have experience in designing scalable and secure applications, with a strong understanding of Java and Android/iOS development.

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

Principal Software Engineer (Solution Architect, Experience on Designing enterprise-grade Mobile App & SDK using Android & iOS platform , Java Backend)

Job Title: Principal Software Engineer

Who is Mastercard?

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential.

Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all.

Overview
As the Software Architect for the Mastercard Merchant Acceptance Program, you’ll bring your deep expertise with modern software architecture designed for global scale, high-transaction volume, and cloud-native technologies. As a global business, the platform and services that you architect will deliver software operating at-scale, requiring focus on performance, security, and reliability.

Merchant Acceptance Program consists of products & solutions that aim to increase Mastercard's acceptance footprint and improving quality of card holder experience at the point of interaction.

Role:

Drive the overall architecture using your deep expertise in microservices-based architectures for the fintech industry.
Ensure that your solutions use modern cloud native architecture design principles.
Design enterprise-grade APIs for services that follow Mastercard best-practices.
Design enterprise-grade Mobile App & SDK using Android & iOS platform that follow Mastercard best-practices.
Design and maintain technical blueprints and service descriptions for your solutions.
Incorporate high-availability and system resiliency into your solutions to maximize up-time and capacity.
Partner with senior technical and product leaders for the platform on how to deliver on your designs.
Perform reviews to ensure teams are following your designs.
Collaborate with the service architects, development teams, operations, and product owners.
Provide technical leadership and mentorship to development teams and service architects.
Represent the program as the primary architect and technical advocate with other groups within Mastercard.
Partner with the Architecture & Technology team to leverage best practices in global scale systems, including on-soil and cloud deployment scenarios.

All About You:

More than 16 years of rich product engineering experience designing scalable software solutions
You have an exceptional foundation in Computer Science fundamentals, microservices-based software architecture and web applications.
You have demonstrated experience architecting solutions based on containers, Kubernetes, and cloud-native technologies.
You have demonstrated experience architecting Mobile App and SDK
You have architected & designed high transaction volume, financial (banking, payment) systems that operate at global scale and extreme up-time requirements.
You have experience with web technologies including HTML5, CSS, Javascript, and front-end frameworks such as Angular.
Advanced level knowledge of native iOS development (Swift/Objective-C) and Android Development (Java, Kotlin, Coroutines)
Experience integrating 3rd Party SDKs
Architecture Pattern - Familiarity architecture patterns like Model-View-ViewModel, Model-View-Presenter, Model-View-Intent etc
You have extensive experience in designing and building global-scale, back-end micro services using Java, Spring, Spring Boot, messaging and persistence system.
You have a deep understanding of storage technologies such as PostgreSQL or SQL Server, and how to effectively leverage them at massive scale.
You have deep experience with cloud-native technologies and best practices, including Azure & AWS.
Knowledge of payment protocols, NFC/EMV Technology and PCI DSS will be an advantage
You have experience with automated testing and successfully releasing software in a continuous delivery model using Git.
Well versed and experience in implementing security requirements for tap on phone solutions
You enjoy working in an Agile environment focused on continuous improvement.
Experience of Agile/Scrum methodologies
You have a strong desire to collaborate and provide mentorship to technology teams.
You enjoy working with product leaders to inform and support options for delivering highly capable solutions that meet market demands.
You desire to be hands-on building prototypes to solve complex business problems.
You have excellent communication skills with both technical and non-technical people.
You are a relentless self-starter who works quickly and efficiently to support product and technical objectives.
You advocate for what’s technically important and doing the right thing.

Corporate Security Responsibility
Every person working for, or on behalf of, Mastercard is responsible for information security. All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and therefore, it is expected that the successful candidate for this position 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.

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.

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