Principal Engineer, Real-time Payments (Technology & Architecture)

Mastercard is hiring a Principal Engineer, Real-time Payments (Technology & Architecture) in Pune.

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 Engineer, Real-time Payments (Technology & Architecture)

Responsibilities

The role spans five core dimensions, with ownership across end to end technical outcomes. 1. Design & Technical Execution

• Own the architecture and detailed design for one or more RTP products or platform capabilities across markets.
• Define and enforce reference architectures, design patterns, and engineering standards (e.g., microservices, event driven architecture, domain driven design).
• Design, build, and maintain high‑quality software components and services for RTP products.
• Lead and participate in technical design reviews, ensuring alignment with RTP and enterprise architecture principles.
• Make clear, well reasoned technology and design trade offs, balancing delivery speed, risk, and long term maintainability.
• Own end‑to‑end delivery of complex features or subsystems, from design through production.
• Translate functional and non‑functional requirements into robust technical implementations.
• Ensure solutions adhere to RTP architecture standards and engineering best practices.

2. Hands‑on Engineering & Code Quality

• Remain hands on for critical components, complex problem areas, prototypes, and reference implementations.
• Lead by example in code quality, testing discipline, and maintainable design.
• Perform and participate in code reviews, raising the bar for engineering quality.
• Drive high quality implementations for low latency, high throughput, distributed systems.
• Support teams in solving deep technical problems across application, messaging, data, and platform layers.

About Mastercard

The Real time Payments (RTP) program is driving the global shift toward instant, account to account payments, enabling secure, low latency, and highly resilient payment services across multiple live markets worldwide. RTP platforms operate as mission critical financial infrastructure, supporting high transaction volumes, strict regulatory expectations, and near zero downtime requirements. The program spans multiple products and shared services, deployed across diverse market and customer environ