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

Overview

Principal Engineer for Mastercard’s Real-time Payments (RTP) program, providing hands-on technical execution and architecture/technology leadership across multiple products and markets.

What you'll do

• Own architecture and detailed design for RTP products or platform capabilities across markets.
• Define and enforce reference architectures, design patterns, and engineering standards.
• Lead end-to-end delivery of complex features or subsystems from design through production.
• Drive non-functional excellence (performance, scalability, reliability, security, observability) and production readiness.
• Stay hands-on in critical components, prototypes, and high-risk problem areas.
• Ensure cross-market consistency to prevent architectural/technology drift and duplicated solutions.
• Mentor engineers and raise quality in design/code reviews and technical decision-making.

What you'll need

• 10+ years of software engineering experience, including designing/building distributed systems at scale.
• Experience owning architecture and design for complex, business-critical platforms.
• Hands-on expertise with microservices and event-driven architectures.
• Understanding of performance engineering, scalability patterns, resilience design, and failure handling.
• Experience with observability, production diagnostics, and operational readiness.
• Enterprise backend development skills across object-oriented & functional languages including Java/Spring, React, Angular, Erlang.
• Experience across application, messaging, data, and platform layers.

Details

• Location: Pune, India.
• Role: Senior individual contributor.