Lead Software Engineer

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.

Lead Software Engineer

Join Us in Shaping the Future of Open Finance

As a Lead Software Engineer on Mastercard’s Open Finance Engineering team, you will drive application and solution architecture for secure, scalable open‑banking platforms in a hybrid role requiring three days onsite in Salt Lake City.

Imagine a world where your financial data works for you—securely, seamlessly, and smartly. Mastercard Open Banking is making that vision a reality. By putting control back into the hands of consumers and businesses, we’re redefining how financial information is shared and used.

Through trusted, consent‑driven connections, our global open banking platform enables everything from real‑time account insights to frictionless payments. It’s not just about access; it’s about empowerment. With secure APIs and a commitment to compliance, we’re building a more inclusive digital economy where innovation thrives, and smarter financial decisions are just a tap away.

Innovation doesn’t happen by chance—it’s designed. That’s why architecture is at the core of this transformation journey. As technologies converge and ecosystems expand, our architects ensure every solution is scalable, secure, and built for the future. We are visionaries who transform data into opportunities and translate bold ideas into resilient, real‑world systems.

If you're passionate about building what’s next, and thrive at the intersection of strategy, systems, and scale—this is your moment!

As a Lead Software Engineer, you will:

• Design and deliver robust, scalable, and secure Open Banking services that power next‑generation financial experiences.
• Be deeply hands‑on, diving into code, architecture reviews, and design sessions to ensure technical excellence and execution.
• Collaborate closely with product and business teams to shape what and how of our most critical initiatives.
• Mentor engineers and tech leads, raising the bar through coaching, code reviews, and architectural guidance.
• Solve the right problems the right way, applying sound judgment and balancing trade‑offs between speed, scale, and sustainability.
• Simplify complexity, optimize cost‑benefit strategies, and drive architectural decisions that deliver long‑term value.
• Foster a “can‑do” culture, showing bias for action, creative thinking, and a refusal to settle for the status quo.
• Engage across teams, identifying reuse opportunities, breaking down silos, and contributing to enterprise‑wide architectural alignment.
• Lead by doing, not just directing—your technical depth and execution mindset will inspire those around you.

• Expertise in software engineering and architecture, with strong experience in Java, Spring Boot, Hibernate, and microservices.
• Hands‑on experience designing and building secure, scalable systems in cloud environments (AWS, Azure, or GCP).
• Strong foundation in secure development practices, including cryptography, encryption, and secure communication protocols.
• Proficiency in secure coding practices in any of modern languages - Java, C#, Python, Node.js and more. Fluency in OWASP, CWE and vulnerability management –write code that’s not just functional – but fortified.
• Proven ability to lead technical initiatives, especially in fast‑paced, high‑impact environments like Financial Services with a strong understanding of compliance needs and regulatory frameworks.
• Excellent collaboration and communication skills, with the ability to influence, resolve conflicts, and align cross‑functional teams.
• Creative problem‑solving mindset, with a passion for continuous improvement and a drive to tackle increasingly complex challenges.
• Force…