Software Engineer II - Full Stack & AI

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.

Software Engineer II
- Full Stack & AI

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.

Software Engineer II
- Full Stack & AI

The Decision Services Technology team within Mastercard’s Business & Market Insights organization develops analytics, reporting, and intelligence solutions that help customers investigate transactions, identify fraud patterns, and make informed business decisions. As part of a rapidly growing product area, the team is investing heavily in AI‑powered capabilities that automate manual analysis and improve customer outcomes. Supporting a product with significant growth and a multi‑year roadmap, engineers on this team play a key role in developing, enhancing, and scaling innovative solutions across full‑stack, cloud, data, and AI technologies.

As a Software Engineer II, you will design, build, test, deploy, and support software solutions while contributing to new product capabilities and ongoing platform enhancements. This role requires strong technical fundamentals, independent execution, and a passion for continuous learning.

Software Development

• Design, develop, test, deploy, and support full‑stack applications and services.
• Translate business and technical requirements into scalable, maintainable solutions.
• Build REST APIs, backend services, and responsive web applications.
• Utilize Java, Spring Boot, frontend frameworks, and Python where appropriate.
• Apply data structures and programming techniques to solve technical challenges.
• Contribute to AI‑enabled capabilities and automation initiatives that improve customer outcomes.

• Participate in technical design discussions and architectural reviews.
• Apply established design patterns, engineering standards, and development best practices.
• Support cloud‑native, distributed, and microservices‑based applications.
• Assist with integrating AI and machine learning capabilities into business solutions.

• Develop and maintain unit, functional, and integration tests.
• Apply secure coding practices throughout the software development lifecycle.
• Participate in code reviews to improve software quality and maintainability.
• Support system, integration, and user acceptance testing activities.
• Identify, troubleshoot, and resolve defects.

• Analyze and improve application performance, reliability, and efficiency.
• Support production incidents, root‑cause analysis, and issue resolution.
• Contribute to observability, monitoring, CI/CD automation, and operational readiness.
• Continuously improve supportability and operational stability.

• Partner with Product Owners, Engineering, Architecture, and cross‑functional stakeholders to deliver business value.
• Participate in Agile…