Principal Software Engineer (Real-Time Payments)

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 (Real-Time Payments)
Overview
Mastercard’s RTP platform powers real‑time payment systems that operate as critical financial infrastructure across multiple markets, including the Philippines. These platforms demand exceptional levels of resiliency, correctness, and operational discipline.
The Principal Software Engineer is a senior individual contributor role within the RTP Engineering & Support organization. This role works closely with engineering leadership to provide deep technical expertise, architectural guidance, and hands‑on execution across the platform.
Role
You will own the technical integrity of critical services and lead by example through hands‑on engineering and operational support.
Key Responsibilities & Outcomes
Own design and implementation decisions for complex, high‑impact platform components.
Provide technical leadership during major incidents and complex production troubleshooting.
Drive improvements across performance, scalability, fault tolerance, and observability.
Raise engineering standards through design reviews, code reviews, and mentoring.
Partner with DevOps and Operations teams to improve deployment safety and operational readiness.
Influence long‑term platform evolution through technical credibility and sound judgment.
All About You
Deep hands‑on experience building and operating high‑throughput, low‑latency distributed systems.
Strong production mindset with proven experience resolving complex live‑site issues.
Broad technical expertise across application, messaging, and platform layers.
Strong technical expertise in Java, Spring.
Expertise in Functional programming languages is a plus
Experience working in regulated or high‑availability environments.
Ability to influence without authority and communicate complex technical concepts clearly.
Demonstrates Mastercard expectations for technical excellence, ownership, and collaboration.
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.