Senior Software Engineer (Full Stack)

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
Senior Software Engineer (Full Stack)
Overview:
The Mastercard Foundry Research & Development team identifies, evaluates, and develops emerging technologies that shape the future of commerce. This role combines hands-on software engineering, technical leadership, technology research, and rapid prototyping. The Senior Software Engineer will design and build full-stack applications, lead technical initiatives, mentor engineers, and develop architectural solutions that support new commerce experiences from concept through market validation. They will collaborate across engineering, product, and innovation teams to transform ideas into scalable solutions and technology platforms.
About the Role:• Develop full-stack applications and prototypes using modern technologies including React, TypeScript/JavaScript, Node.js, Java, Spring Boot and Python.• Design, build and maintain scalable frontend applications, backend services and APIs that support new product concepts and innovation initiatives.• Lead technical initiatives from ideation through implementation, providing architectural guidance and engineering leadership across projects.• Create architecture diagrams, technical designs, and solution proposals to communicate complex concepts to engineering teams and leadership stakeholders.• Present technical concepts, prototype outcomes and architectural recommendations to senior engineering, product and business leaders.• Mentor junior engineers through technical coaching, code reviews, design reviews and engineering best practices.• Research emerging technologies and evaluate their potential impact on commerce, payments, and digital experiences.• Develop proof-of-concept solutions that validate new technologies, business opportunities, and product concepts.• Collaborate with product managers, designers, engineers, researchers, and external partners to bring ideas from concept through market validation.• Participate in innovation programs and hackathons to create, build, and pitch new product ideas.
All About You:• Years of hands-on, dedicated software engineering experience with a proven track record of building and delivering production-grade applications. • Strong frontend development expertise with React and TypeScript/JavaScript, alongside backend development experience using Java, Spring Boot, Python, and Node.js. • Proven ability to design and build APIs, distributed systems, and cloud-native architectures on AWS, Azure, or Google Cloud Platform. • Experience producing technical designs, architecture artifacts, and engineering documentation to support scalable solutions. • Demonstrated leadership in driving technical initiatives and mentoring engineers across the software development lifecycle. • Ability to quickly learn and apply new technologies to research, prototyping, and product innovation. • Strong communication skills with the ability to influence and communicate effectively with both technical and non-technical stakeholders. • Passion for emerging technologies, including Artificial Intelligence, Agentic Systems, AR/VR, Computer Vision, Spatial Computing, and next-generation commerce experiences. • Preferred experience with machine learning, generative AI, large language models, or autonomous agent systems. • Preferred experience participating in innovation programs, startup collaborations, hackathons, or technology research initiatives. • Curious, forward-thinking mindset with a passion for turning innovative ideas into impactful products and experiences.
Mastercard is a merit-based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact [email protected] and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.
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.

In line with Mastercard's total compensation philosophy and assuming that the job will be performed in the US, the successful candidate will be offered a competitive base salary and may be eligible for an annual bonus or commissions depending on the role. The base salary offered may vary depending on multiple factors, including but not limited to location, job-related knowledge, skills, and experience. Mastercard benefits for full time (and certain part time) employees generally include: insurance (including medical, prescription drug, dental, vision, disability, life insurance); flexible spending account and health savings account; paid leaves (including 16 weeks of new parent leave and up to 20 days of bereavement leave); 80 hours of Paid Sick and Safe Time, 25 days of vacation time and 5 personal days, pro-rated based on date of hire; 10 annual paid U.S. observed holidays; 401k with a best-in-class company match; deferred compensation for eligible roles; fitness reimbursement or on-site fitness facilities; eligibility for tuition reimbursement; and many more. Mastercard benefits for interns generally include: 56 hours of Paid Sick and Safe Time; jury duty leave; and on-site fitness facilities in some locations.
Pay Ranges
New York City, New York: $138,000 - $221,000 USD